That’s why I’ve gotten out of shitcoins and am all in Bitcoin! Crypto is a taxable event in South Africa so anything i do besides buy ane HODL is a taxable event!
No sense in adding so many headaches so all I do is stack Sats! I put some of my Sats in interest accounts that can give me a return just below the taxable threshold while the rest is in long term storage!
The way I see it if you want the benefit of their payment rails you need to pay that premium when converting to fiat.