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What the is cheapest way to convert USD (or a U.S. debit or credit card) to xDai, and xDai to USD

Please describe the least expensive way for U.S. users to convert USD (or a U.S. debit or credit card) to xDai, and xDai to USD (or to a Walmart or Amazon gift card.)

The only method I know of is to purchase DAI and ETH at Coinbase with a debit card, copy the DAI and ETH to MetaMask, and then use the xDai Bridge to convert the DAI to xDai (you need the ETH for gas). This process costs $25 in fees,

I am designing an xDai app that creates NFT’s, and a prediction wagering website. The biggest problem is convincing people to use xDai, because $25 is too much to spend to convert $100 USD to xDai (and then another $25 to convert back to USD).