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There's a lot thats being worked on. Shut the mom and pop arguments. Mom and pop would have been using muun just a year ago and then crying about on-chain fees for something that was supposed to be a lightning wallet.
We have wallets that script out channel management for the user. A few years ago you would have said something like "we can't expect the average person to open channels and manage their liquidity on their own" and you'd be right, but you either did that or you didn't use the lightning network back then. You've chosen to use the lightning network now, so you have Bitcoiners around you trying to help you understand how to use it in a way that won't cause you problems
We now have wallets that have channel management scripted out and yes I foresee wallets that do on-chain or lightning based on fee estimation for each method all on its own.
i agree with you, i just post this here to point out a problem which needs to be looked at.
Also, a few days prior i transferred the same amount for 1/20th the lightning fees, so it is stunning to me how much that can vary.
Also with exchanges enabling lightning deposits and withdrawals this will be a problem which occurs more frequently.
i think it is pretty ridiculous to think a normal user has to chose a payment network depending on the transaction size and the current onchain fees vs. the lightning fees. If we dont solve that problem fully automatically, everybody and their mom are laughing their asses off about bitcion payments.