The conversion fees seem a bit steep indeed. But there is a saving grace. You can opt to have the cash back equivalent of crypto back and earn 4% percent back in Stellar Lumen or 1% back in Bitcoin. Personally I would choose the 4% crypto back because I think in the long run Stellar Lumen would have a much better percentage appreciation in value than bitcoin and moreover you are getting 4% of Lumen instead of 1% Bitcoin.
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