thats really a problem right now, but you could also anticipate such thing and avoid it by simply using L2 if you happen to use ethereum, or some wrapped version of coin then I guess you could avoid the high gas fee but if your assets are already in ethereum then you pretty much are forced to pay for the gas fee thats really high.
like many have said, its quite different fee scheme if compared to mastercard or visa honestly, you really pay the same fee for whatever amount of money you're sending.
meanwhile its gonna be different with the other competition, therefore i think the comparation isn't fair, but i could understand that majority that utilises blockchain are just moving around asset which means these fee problem are indeed urgent problem needs to be solved immediately, right now the proposed change towards ethereum to contain the gas fee through various method are on their way.
Have you tried using L2 yourself I'm hearing bad rumors about it
I've honestly frequently used these L2 and they're just fine if you're seeking for cheaper gas fee, the only problem is that, bridging your asset to these L2, you need to pay high gas fee first, basically moving your asset from ethereum to these L2 and then after that you could have cheapest possible fee there is around only few cents but the will be another problem that you might face, be sure to check out whether the smart contract and dapps that you are interacting with which available in ethereum also available in these L2 blockchain otherwise you just gonna waste your effort.
but if its just sending ethereum or any other token like stable coin which usually also available in these L2 then you will be fine.