High Fee is now a big problem for low income investor. Of course no one can bear 20% fee.
I have some solution for you to avoid high fee.
First choose Binance P2P trading where you will get Usd or Btc without any fee. Then trade for BCH.
2nd one is tobuae FTX exchange. Send trc20 to Ftx and exchange this xoin with BCH. Ftx has no withdraw fee . you can withdraw btc,Eth,BCH without any fee to any wallet or exchange.
Sounds very good solution for the OP. However you can also try to go with the BNB as fee structure. I think they are having 50% off on your fees if you pay with the BNB. But again the challenge is you need to have BNB in your possession to avail that offer.
You can also try to go with the SWAP option from other sites. I think that will have less fees and your swap would be far instant as compared to sending the money to BCH broadcast.