Dragging a file between multiple folders in Finder on your HD will always move it to the final location. No need to do the Cut and Paste of the file itself. If you wanted to copy, you would do the same dragging while holding down the OPTION key.
Also, you don't need to drag to desktop and to the final location. If you are copying a file between two folders in your Home directory for example. Start in the directory that contains your file, click and hold and then drag the file over and hover over your name in the sidebar. Continue to hold the button down, the Finder window will now change to show you all the directories in your Home directory. Now choose a destination folder there or the parent, and you will go inside, and if you want to go further deeper into the structure, continue hovering on more folder names and more Finder windows will appear for each directory. When you've finally reached your destination, release the mouse and the file has been moved. If you had kept the OPTION key pressed during this, the file is just copied over and is now present in both the source and destination folders..
Once the Move/Copy action is completed, all of the Finder windows that appeared during your action will disappear and you will go back to your source directory.