https://help.coinbase.com/en/exchange/trading-and-funding/ex...
edit: these fees apply both ways, selling and buying crypto, so the user also pays less. and if the user buys $100 USD of tokens like they would at an arcade, all of those tokens can be spent on the game without exchange to fiat needed. this is different than every interaction with processor taking a cut which happens now if you want to buy 5 assets from a game that uses stripe or an app store or whatever.
The only reason the fees are that low right now is because crypto is speculative, and users have no protections. If crypto is useful and buyers expect to be able to do things like refunds or charge backs the fees will do up to cover those costs.
Looking at how crypto works right now and suggesting it'll still be the same if people use it as currency is silly.
the reason those standard take-rates are high are not for consumer protection. interbank fees are about the same or lower as CEX take fees in the range of 0.1-0.5%. corporate infrastructure built on top of these financial systems like PayPal, Stripe and VISA are taking huge profits.
The payment processor fees are still there though - you just pay them when you convert your fiat currency into crypto, rather than when you use the crypto to buy the 3D hat.