[yummyfajitas]

With a retail broker it's moot - they charge you a flat $8/trade regardless of whether you add or remove liquidity. You never collect rebates or pay to take liquidity.

You can still choose not to cross the spread with a retail broker. Just place limit orders on the right side of the spread.

[minimax]

Most retail traders actually get slightly (insignificantly) better prices for liquidity taking orders through price improvement at the wholesaler. Retail traders can also send post-only orders and participate in exchange the rebate/fee program on Interactive Brokers.