That could be the default behavior. Perhaps they could opt-in instead to receiving credits if they don't mind them.

k00b

nerd2ninja

can you do me a favor and for the power users among us allow a setting that tells us is the receiving end doesn't have enough inbound liquidity as to avoid our sats from being donated directly to SN instead of the intended user

I think we don't need a setting for this, the payment will simply fail in that case. Looking at the table, I think that's also how 

external wallet -> external wallet will always result in sats if it results at all

SN's wallet plans

> can you do me a favor and for the power users among us allow a setting that tells us is the receiving end doesn't have enough inbound liquidity as to avoid our sats from being donated directly to SN instead of the intended user

I think we don't need a setting for this, the payment will simply fail in that case. Looking at the table, I think that's also how @k00b imagined such cases?

external wallet -> external wallet will always result in sats if it results at all