When you use stable coins they are mostly processed on the ETH network which has high fees. The network is more for industrial/commercial use and not individuals hence why Steve gets battered with the fee costs too. I think you can explore sending stable coins using different wallets/networks like solana which would bring the price down.
Personally I use XRP or ADA to play with. It is more volatile and there’s always potential for a price crash but realistically you’d be extremely unlucky if that happened during a 2/3 hour slot session. But you don’t have to pay ridiculous fees.