I cant pay for anything with out it being about $40 in the last month. I sent $50 in btc from my local wallet to my bitpay debit card the other week not paying

I cant pay for anything with out it being about $40 in the last month. I sent $50 in btc from my local wallet to my bitpay debit card the other week not paying attention and it cost me $37 for max block time.