One of the reasons centralized wallets/exchange exist is because the technology is difficult to use. This is also in part most of the talk around cryptocurrency is full of jargon, even for simple things which normal people would be able to understand.

On that note, shameless self promotion in case someone wants to understand how transaction and fees work in bitcoin and most cryptocurrencies, I have written this post:

https://medium.com/@smith.garg/fees-calculation-in-bitcoin-a...