Normally extremely high gas is an indicator that the transaction will fail. Alternatively, it could potentially be because when you tried to make this transaction, the network was hogged so the base fee is really high.
Can you try again (without confirming the tx) and let us know the gas price suggested by metamask?
Should I build a withdraw function within a DAPP that will allow me to set the .send{} and suggest the gas fees for much lower. Will that work?
You can yes but your transaction might not be mined if it's below the base gas fee.