nope. if a game publisher uses a CEX to exchange the crypto they receive from users into fiat and direct bank account deposit the fees can range from 0% to 0.6% compared to 2-5% for stripe and PayPal or up to 30% for steam and apple. this also does not consider per-transaction fees which in L2 will be very minimal and allow users to engage with micro payments like $0.25 USD asset purchases, which are not realistic with stripe APIs.
edit: these fees apply both ways, selling and buying crypto, so the user also pays less. and if the user buys $100 USD of tokens like they would at an arcade, all of those tokens can be spent on the game without exchange to fiat needed. this is different than every interaction with processor taking a cut which happens now if you want to buy 5 assets from a game that uses stripe or an app store or whatever.
if a game publisher uses a CEX to exchange the crypto they receive from users into fiat and direct bank account deposit the fees can range from 0% to 0.6%
The only reason the fees are that low right now is because crypto is speculative, and users have no protections. If crypto is useful and buyers expect to be able to do things like refunds or charge backs the fees will do up to cover those costs.
Looking at how crypto works right now and suggesting it'll still be the same if people use it as currency is silly.
equally silly to assume that regulations will force all centralized exchanges to charge 2-5% or 30% as is the case with current payment processors and app stores. that is not going to happen except in totalitarian countries.
the reason those standard take-rates are high are not for consumer protection. interbank fees are about the same or lower as CEX take fees in the range of 0.1-0.5%. corporate infrastructure built on top of these financial systems like PayPal, Stripe and VISA are taking huge profits.
https://help.coinbase.com/en/exchange/trading-and-funding/ex...
edit: these fees apply both ways, selling and buying crypto, so the user also pays less. and if the user buys $100 USD of tokens like they would at an arcade, all of those tokens can be spent on the game without exchange to fiat needed. this is different than every interaction with processor taking a cut which happens now if you want to buy 5 assets from a game that uses stripe or an app store or whatever.