>It is still the buyer who pays even if it is the seller who pay the commission since the commissions are baked into the sell price

This is a trivial characterization, just like an individual who buys lettuce at the grocery store pays for the wages of the person that grows and picks and packages it.

A buyer does not have much incentive to not use a real estate agent because a seller using a real estate agent has already agreed to pay x% or $x to the sell side agent, who will give a portion of that to the buy side agent.

The reduction in costs only comes when purchasing from a home being sold without the use of a real estate agent (“for sale by owner”).

In Hungary the amount varies a lot, but it’s paid by the seller so not the buyer’s problem. Because of this, you always try to sell without an agent, and use an agent only if you can’t find a buyer by yourself.

Dunno about other countries.