For your particular case, you're referring to some of the slower blockchians. There are much faster and essentially free blockchains (like Base or Solana) which solve 1-3 on your list. UX still an issue.
If you can avoid ethereum's main layer altogether it becomes much cheaper transact, most exchanges support the various l2 layers that have been popping up recently.
I do agree that it takes way too much time and effort for anyone not familiar to the crypto scene to figure out all the different chains, their compatibility, bridges, swaps etc. to make cost efficient transactions.