I have friends that use Cosmo, They dont mind the not being able to withdrawal all of their money, or the higher fee's. It all comes down to what you are willing to put up with. For me, personally, not being able to get 100% of my money is a big no. What ever I put in the account is what I should have access too.
Another option (although it seems to be quite an expencive option on cb right now since they charge $12, but other sites like strip chat are much better with the fee's) is getting a card through crypto.com and getting paid in crypto, you can then sell the crypto on crypto.com to top up your card, I found it works everywhere where paxum worked, and their fee's are not so bad. I use the free tier card from crypto.com, and that's how I am getting paid at the moment (local banking issues means that I assume the withdrawal I made from paxum is going to get returned), If more sites offered crypto payout's then I would go as far as saying it's the best option, but sites offering crypto payouts are still in the minority.