Why is Phoenix a PhD? You do not have to touch the gear icon. Its always there if you get curious, but there is no need to touch it.
I mean the way you're putting this, Android would be simpler if they got rid of the settings menu and removed the ability to turn off wifi, location, bluetooth and all these things were just on all the time and the user is given no option to ever see or touch it.
Maybe I'm wrong, but from my understanding...
Muun, you can do on-chain and Lightning payments without having to open channels or deal with swaps.
Phoenix (Zap, and Zeus) it's a Lightning Wallet only, you can mess with the settings, and you do need to be mindful of people cheating, not so much as Muun.
Again, I could be wrong.
But how would you frame it for the everyday person who's only tech know-how is sending an email?
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No you're completely wrong. With muun you have to trust that when you send your on-chain payment, that muun will send a lightning payment in return (muun isn't actually a lightning wallet. Its just on-chain payments to pay for a lightning payment which they call a swap).
Phoenix, (which you should not be putting Zap and Zeus into the same category as, I think you might be thinking of Eclair) by default does a trampoline channel with ACINQ, not random strangers. You are trusting ACINQ not to force close the channel while your phone isn't running the app, but if they did force close to dishonestly take your funds, you would notice whereas with a custodial wallet you would not notice until it went bankrupt.
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