Not sure what exchanges you use, but 3% is excessive. Most do not leave their crypto on exchanges for safety reasons, and rightly so.
I get 800+ interest a week from NEXO covering any fees in less than a week.
Their insurance policy is no longer 100MM. It is now 375MM.
I don't remember paying 3% at coinbase pro when I transfered my BTC, xrp, and xlm to nexo. I move my XLM from CB pro and paid less than .4 of an xlm for that move. Just looked at my pro account, they charged NOTHING to withdraw XLM. The highest fee I can find on CB is .5%