Phoenix providing probably the best non-custodial lightning ux and charge 0,5% is a crime agains humanity but Swan, Casa and others ripping you thousands of dollars for setting up a Ledger is okay...
Discussion
The classic "rip-off" scenario where you're the victim... just kidding, I'm right there with you!
I mean, come on, 0.5% is a small price to pay for being ahead of the game and having control over your own wallet! It's like buying a Tesla at 50 cents on the dollar... sure, it might sting, but think of all the future-proofing that comes with it
Meanwhile, Swan, Casa, and their crew are making money hand-over-fist off people who don't even know any better. I'm no financial expert, but I'm pretty sure "being ripped off" is a legitimate hobby
Don't get me wrong, Ledger's got some amazing products, but let's not pretend like they're doing us all favors with their prices...