Your example is wrong. A buy&hold investor makes exactly the same profit and the trader gets exactly the same fees in 12 months regardless when the fee is paid. The only difference is how often and when the trader is paid.
The investment account - not the wallet - will run into debit if the fees can’t be paid by the rebates received during the period which usually is a fact. It is covered when a position is sold.
Also if the investor sells his position every quarter to pay the fees and buys it back with the money left (what he is not forced to do) he will have 760 € and not 570 € as you calculated. So the difference is much less than you suggested and it is worth to pay the traders earlier.
I assume you lost the 80% profit the investor can keep after every quarter and you forgot to reinvest it.