Most people will never realize that. The fact that they use submarine swaps for all Lightning transactions is just awful design and it makes no sense to me why so many people loyally stand by this app.
Discussion
I would hope everyone would review the transaction confirmation screen including seeing the fees paid before confirming the transaction. I like using Muun to send my btc to cold storage. I check the mempool and send when transaction fees are low. Or I send via CashApp if I want to pay no transaction fees.
Never had any issues using Muun.
On-chain with no seed phrase. Lightning that can’t zap.
Ain’t nobody got time for that.