It seems mostsome members didn’t get OP’s point. What he usis looking for is a solution allowing homthat allows him to send cryptoscrypto even if diesnhe doesn’t have enough of the natuvenative coin to cover the fees. Like being able to send USDT (erc20ERC-20) without having enugh ethenough ETH to cover the gas.

Unfortunately, I'm not aware of any wallet that can do this (be it a web wallet or not). This isn't possible even in wallets that have an internal swap feature.
The only thing I can think of is using a centralized exchange like Binance (no need to remind you of the risks involved as you seem already aware of that). Withdrawal fees aren’t that high, except for Bitcoin and Ethereum.

It seems most members didn’t get OP’s point. What he us looking for is a solution allowing hom to send cryptos even if diesn’t have enough of the natuve coin to cover the fees. Like being able to send USDT (erc20) without having enugh eth to cover the fees.