equally silly to assume that regulations will force all centralized exchanges to charge 2-5% or 30% as is the case with current payment processors and app stores. that is not going to happen except in totalitarian countries.

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.