Most people (some still find a way to complain) are okay with giving away 5% of their money in exchange for being able to enter in a number on a website and giving an amount of money to a friend who needs money.
In other words, the 5% is worth not having to drive to the bank, draw out cash, drive to someone's house and put the money in their mailbox.
The fee is worth the payoff.
How much of a fee are you willing to pay an organization that raises awareness of tries to fight human trafficking? Poverty? Injustice? Cancer?
How much of a fee are you willing to pay a church?
Fees are everywhere. It's not use complaining about them but it is a good exercise to decide which ones are worth it and which are not.