I believe that most business owners will prefer to transact money transfers with their customers directly without using an exchange, that will be a third party, and you'll have to pay this third party or middle man money for his services, whether you like it or not.
In cryptocurrency, we have many ways to safely resist ay third party influence in what we do as long as we have the knowledge on how to go about it, bitcoin is not what we can just assume to be thesame as the way we treat other cryptocurrencies which are centralized, using bitcoin privately begin with the kind of wallet we use, many people will create a crypto account and take that as wallet from the exchanges they use, while some will rely on other people in helping them through what they would have learnt to know by themselves.