Yes, it's always about the maximum price that will be paid, isn't it? And FOMO is one of the drivers, as is the convenience factor. But with the fees getting very high for that convenience, I find I'll look elsewhere...feel like that fine line's been crossed for me. Still, even paying a high fee for some cryptos could be worth it in the long run, anyway, so it depends on how one wants to buy it, and how much extra you're willing to pay. I think maybe some of the providers are driven to high fees due to the volatility/risk, but it seems excessive - perhaps they'd get more business overall with more reasonable rates.