I do disagree a bit. Not an expert, but if you avoid the debit card Coinbase fees and then use Advcash once you get into Dollars on Exmo it made money if you avoided Bitcoin and they never had my money for more than 2 minutes.  My background is conventional FX so a 2% low risk trade is a dream. They have discontinued the debit card now In the last few days though which spoils it as other withdrawal methods are more expensive so I will have to look elsewhere. I agree there probably aren’t millions to be made anymore, but I think you can at least make cashing out less painful by being smart and there are small opportunities.