never, ever, for any reason pay anything directly from an exchange wallet. You use exchanges to convert USD<->crypto. When going to crypto, you transfer to your own private wallet as soon as the coin is available in the exchange wallet. Then you can pay who you like.
For an extra level of indirection, rotate through a privacy currency like Monero.
Keep your own records of everything in case there are ever any tax questions. But don't give an exchange the opportunity to discriminate against you for DoublePlusBadThink(TM).
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