The silent, modest, and negligible request was to have the high bonus without using crypto
I suspect that Totem pay a lower fee for a crypto transaction than when paying via the traditional payment brokers. If so iIt would therefore seem to me quite natural if the best offers were only available via the more lucrative mechanism (lucrative for Totem) as an inducement for us to switch to using it.
When I looked at what brokers like Epoch charge (according to their own web site) it was something like twenty or thirty percent of each transaction.
I don't use crypto currencies for iStripper or anything else and currently have no intention to do so. But I can see why Totem might prefer us to use them and so bias the price structure to attract us to them.