I use coinbase purchase through PayPal, they do not charge to trade within coinbase, then again I have only bought in amounts of $25.00 or less, I just dabble in it with funds I would have spent on something else anyway. Instead of going to buy fast food, I was considering to go buy I would think about it and instead fix something at home and instead spend the $10 or $15 on crypto, so money would have been spent anyway.
I haven't sold or traded any, just buying in small increments of $10-$25, I am down $22.50 including fees total over all since I started buying last summer.