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Prices are made stable by a large market. These markets aren't very large so people make shit up as long as they can get away with it.
Be the change. Make your own offers.
Each of those allows you to connect to your own electrum server. But if you're not doing that, then some random server knows your addresses up to the gap limit plus what you've used already. If you're not using a VPN then your addresses are tied to your IP address.
You've never gotten a scam phone call? Hard to prevent that. I notice you haven't commented on the privacy, which is what I've been talking about.
I will happily host you on my btcpay server instance. I can do so without taking custody and probably without having access to invoice history. I'm already hosting some vendors. See
https://pay.sdbitcoiners.com
https://tarastore.sdbitcoiners.com
https://quantum.sdbitcoiners.com
I prefer cash by mail on Bisq.