I would love to know, which approach works better for casinos to increase their revenue and retain more customers? I feel like casinos that pay withdrawal fees out of their pocket have more loyal customers and their customers also deposit more money than those who don't pay user's withdrawal fees. Is there any statistics that either prove or disagree with my opinion? Is any casino representative willing to speak about it? It is a nice topic to discuss.
I am not a casino owner and dont know how they operate, but I'd like to share my thought as an online casino user.
Regarding your first question about which model tends to retain more customers... I believe that recreational players, who play for fun and place casual bets, tend to value cassinos that offers free withdrawals because, as you said, they are focus more on the user experience and want immediate liquidity.
However, in case of high rollers or crypto traders I believe they are tolerate fees well... obviously, they still need to be fair and proportional to the amount being withdrawn. There will be times when the network is congested and more expensive, so charging this amount to users with higher "purchasing power" is fair, but processing must be fast.