1-2% + $0.26 + 1-2% + FOREX risk + 1 week + forefeiture risk is strictly worse than even PayPal.
Most Bitcoin exchanges have fees that are a fraction of a percent. Not 1-2%. Paypal has international fees approaching 5%(!)
It doesn't take days to buy some BTC. Buying or selling is instantaneous (once you have an account at an exchange, which is a one-time thing to setup, certainly not a step to go through for every transaction as you seem to imply!)
Volatility has been declining over the last few years. Besides, volatility has an overall net-zero effect on your transactions: half the time you make a bit of extra money, half the time you lose a bit of money, so it averages to zero gains/losses.
Finally, use a trustworthy exchange. These are really not hard to find: Coinbase, Gemini, etc.