I was going to respond with a snippy quote about how transferring money around with Eth used to be convenient, but now it sucks
BUT I checked the current gas prices, and it's really not bad. You're looking at $3-4 for 5-10 minutes on a transaction. Too pricey for splitting restaurant bills, but not too bad for sending $100 around
I guess that when you get to $100+ though you have to deal with too much volatility, and there's no good way to hedge against it as a US citizen (at least, I can't find any reputable brokerage/exchange that will let me short small amounts of crypto)
At least reconsider the proof of stake crypto chains. Not an energy waste.