Could use localbitcoin.com (or localmonero I guess), though it's been so long since I've been to those sites that I forget if/what kind of cut the website takes.

But yeah, dunno if you can avoid fees when cashing out to fiat. And if you're using non-kyc sites to swap Monero, they're likely taking some too, for the convenience and privacy (worth it imo)

Creating a market to exchange crypto and cash enables everyone’s use. Speculative markets are a natural feature of something new like bitcoin and would’ve happened regardless.