We are at war. You're looking at it all wrong. 

This is all impossible on a Bitcoin standard. 

Right you shouldnt really be spending or moving anything. And most exchanges already work the fee into their exchange rate price conversion. 

And if you waned to buy things, unsure why you'd use BTC - but Lightning Is a really good payments layer. 

It's not a rich man's game, it's an involved man's game. If it's too much for you, perhaps that is simply Natural Selection.