Yes, the transaction fee we always pay are always for the company because they are providing us a service by sending our funds. For the crypto wallets wallets that allow us to convert crypto to our local fiat, l heard luno is very good for that but unfortunately they aren't yet supported in my country yet the last time I tried. But binance now accept deposit in my local fiat even though they are still working on the withdrawal to be done in my local fiat very soon. But as at now, l still go with transaction fee.if so then that means the transaction fee we have been paying is for the company who is taking in charge and maintenance of the crypto wallet, but there are some crypto wallet that you can convert your coin directly to local currency but the transaction fee is not always high that is why I prefer to store my coins in such a wallet, I don't know about you.