I agree on the lightning part. Currently the only low fee ways are the custodial option. Self-custody is still risky. Technology will improve over-time. Locally in Malaysia and basically in most part of the world, there are very few merchants that accepts bitcoin regardless of on-chain or LN and the reason IS NOT because of the fees. With further adoption over the next 3-5 years, I foresee Self-custodial LN to be much more easy and less risky. As of now, with so few things to spend on, it is literally a proof-of-concept spending wallet. I just kept a hundred or so ringgit there. I don't mind even if it is a custodial wallet or more reckless self-custodial options.

I have no opinion on Liquid at the moment. But I definitely would not want any wallet that can transfer my bitcoin private keys out for whatever reasons.

Yes, I hate Muun, primarily because they are not using industry standards for their seed phase. Standard Backup protocols of BIP39 is still the best. And their pseudo-lightning protocols are not transparent. Their fees fluctuates as well and many have encounter sudden spike in fees like those force close or open channels, except they don't show you the reasons for it and you don't know what's happening at the backend.