Why not send money with paypal as friends and family? Then you have zero fees and can reverse your transaction if something goes wrong.
DAG is different than blockchain and i suggest you learn about how it works. You should not feel worried about that because the mechanism of DAG is not the same as blockchain that used miners as validators. https://www.forbes.com/sites/shermanlee/2018/01/22/explaining-directed-acylic-graph-dag-the-real-blockchain-3-0/#62e28158180b
That article looks good enough for you to read. HNC looks a good option too.
