I was just using 10 k as an example. My point was why is there a minimum of 100k more than 10x higher than the cost of entry? If the fee is 7k to my mind I want to be able to put in anything I want above that fee whether its 10k or or 99,999 sats.

If its my funds then shouldn't I be able to choose? Unless there is some liquidity requirement which Mutiny (Zeus does the same but didnt used to a few months ago) legitimately needs to help things run smooth? Or, as I suspect, maybe there is some incentive for them to have as much sats as possible in there. Do they earn of total 'sats under management' so to speak? I dont know but it seemed strange that I couldnt get a straight answer out of them. I have not had time to investigate liquidity more but I will look to do so soon.

As far as I understand, there are some heuristics they rely on. Keep in mind, the on-chain fees keep changing over time.

A 10k channel with 7k fees would result in 3k usable liquidity. What if you need to close the channel? You don't have another 7k available.

I think the 100k is just a safe amount to use considering the current mempool state. And to avoid newbies losing all their money to fees because they didn't know better...

Fyi, I'm not affiliated with Mutiny, this is just my view. I hope they can explain it better.