Genuine question, what's the current comparison of fees for say exchanging $1000 dollars into a currency like euros compared to a fiat exchange using stablecoin

Genuine question, what's the current comparison of fees for say exchanging $1000 dollars into a currency like euros compared to a fiat exchange using stablecoins? I'm not particularly well versed into crypto but every time i've attempted anything similar it's always seemed wildly more expensive to do it via crypto than going into a currency exchange.