There is no way you'd pay more than 15%, or even 5%, in fees. Also, the idea is that you get Bitcoin before you need it. I agree with you that the on-ramp can

There is no way you'd pay more than 15%, or even 5%, in fees. Also, the idea is that you get Bitcoin before you need it. I agree with you that the on-ramp can be a pretty unpleasant experience.