Interesting… I had to dig hard to even find max in flight for a channel on my node. I could not find it in Zeus or RTL. Seems like most tools don’t even make this setting visible. I’m running a CLN node and found it via CLI with listpeers under max_htlc_value_in_flight_msat. I assume 99% of everyone just uses the node implementation default.
Discussion
Yep, this is terrible! You should reach out to the devs of the tools you use and ask for (a) exposing the setting and (b) making the default <50% (for public channels on nodes with a number of channels)!