If someone wants to risk $1,000 on a sports bet, casino, you name it, then a $10 fee won't stop him/her from gambling with it.
But if the funds are locked then you cannot lose them, they are just being locked temporarily whilst you're getting your thoughts, your mind and trying to regain some clarity before making a decision if what you wanted to do with the money was really worth it.
I agree with you when you undergo a severe loss, you don't look at the transaction fees anymore and your mind only cares about one thing, trying to recover your loss at all costs literally, in order to avoid to have to face the consequences, if you are not experienced enough or if you have not a mindset strong enough at this moment. That's why I think it's more useful to train your mindset and to learn how to take a step back in those highly stressful situations but we are just human beings, so this kind of tricks are helpful too and efficient to some extent.
Only an irresponsible gambler will lose money in gambling and then want to recover it at all cost, it shows that first, he or she was gambling with funds he or she can not afford to lose, and Secondly, like I believe that every experienced gambler already know, such gamblers stand a high chance of losing even more money in their quest to try to recover what ever amount of money he or she have lost to gambling.
Like I will always say. If only we all as gambler will learn to gamble more for fun and less for making money, then we wouldn't have alot of problem gamblers out there..
like you have said, training ourselves to know when to take a step back in gambling is a good thing, but unfortunately, not very many gamblers give attention to all of this, some only start learning this things after they have fallen a couple of times, like myself when I newly started gambling, I thought wining and becoming a millionaire was easy, and by this, I put in every thing I had a couple of times and lost it, at a point, I realized that luck can't be forced, and the most you try to force it, the more you lose money unnecessarily.