Not disagreeing, but i think it's not an accident that we struggled so much to make bitcoin wallets that feel 'right'. It's because it's not a consumer payments network, it's intrinsically an industrial layer, or a settlements layer. Notice how quickly many LN wallets developed a clean UI. (though of course there's a shitton to be improved there, still!)
Discussion
One of the things here is that there should be no distiction between onchain and Lightning (or even Chaumian ecash) for easy to use consumer wallets. Wallet should automatically decide what’s best for the user, user should not know what happens under the hood. Is it simple onchain payment, is it payjoin, is it simple LN payment or is it new LN channel opening. Or even something else.