Zelle has strict limits on how many transactions you can do and how much you can transfer.
Yeah, ETH has high fees. Don't use it directly. Use an L2, Polygon, or something else where fees are pennies or less. ETH is not a good chain to be on for the average user, unless you have a lot of money to waste on gas.
Those "L2s" are the same kind of entity as something like Zelle, and equally able to exercise controls on what kind of transactions you can do and for how much.
Yeah, ETH has high fees. Don't use it directly. Use an L2, Polygon, or something else where fees are pennies or less. ETH is not a good chain to be on for the average user, unless you have a lot of money to waste on gas.