SNEAKY FEES!? please educate me

possessed MSOL tokens and decided to add them to Kamino’s lending pool, but was unable to do so due to having only 0.048 SOL, which fell short of the required 0.05 SOL minimum, as told by the big red blocking message. To address this, I bought $5 worth of SOL (green arrow at 1st pic below), raising my balance to roughly 0.08 SOL. This allowed me to continue with my transaction, which included a fee of 0.00128064 SOL ($0.215785). However, upon reviewing my final SOL balance, I found that it had decreased to approximately 0.04 SOL. After investigating further, I discovered that a sum near 0.02 SOL ($4?!) was taken for action: CREATE ACCOUNT, just take a look. so what happen guys? please educate me, why the big fees even sneaky hidden big fees that is not recorded in my wallet txs history (so i needed to explore solscan), I thought SOL is “the man”. will I be able to get my 0.02 SOL back if I withdraw my MSOL supply?

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