In my experience:
Most users have no idea about the technology behind bitcoin, how payments/money work, nodes or even ‚self custody‘.
They use WoS, Strike, Breeze, Phoenix, Blixt, Muun or whatever their bitcoin maxi friend recommended and they usually keep their #bitcoin in this one app they started with.
‚Swapping’ is something only the 1 % hardcore freaks care about. 🤷♂️
The hardcore Bitcoin enthusiast just have to follow strict/good utxo-management to keep their privacy intact.