Hey #asknostr, can someone weigh in on my lightning wallet experience?

I set up #Phoenix wallet as it sounded as close to a hardware wallet as a lightning wallet could be. Still rug pullable but less so than most.

Is that an accurate assessment?

Using Phoenix I learnt a lot about opening channels and liquidity, which is hidden from view on every other wallet I have used. So that is useful. And I can't imagine more than 1 in 100 noobs bothering to go that root.

Another observation, it seems to be more expensive to make transactions than on the usual non custodial wallets. Is this a fault with my setup, or is an advantage of non custodial providers that they can provide a cheap service because of scale?

What's up with Bolt 12? Phoenix offers a permanent Bolt 12 lightning option which sounds ideal for businesses. But I used Muun, blink, Speed wallet,Yakihonne and no go. Am I early or has that innovation moved on?

Coinos has a really slick set up for a permanent lightning address for a business website. I have gone with that for tip payments and will move any balances across to Phoenix for "self sovereign storage". Is that the way?

Thanks