How to implement acceptance of Ethereum and other erc20 tokens to a permanent address for each user?

Question

blockchain

I am writing a backend for a multi-currency wallet.
The task is to implement a permanent address for each user. If this is an erc20 token - not ether, then in order to withdraw the same amount from this wallet, you also need to transfer ether to this address to pay for gas, paying for this gas. That is, in order to accept and then give a token worth $100, you need to pay 2 times $20 commission. It is also very desirable to collect coins to a common account (to implement one of the wallet features), which makes the process even more expensive. Maybe there are some solutions to this issue?