use monero has actually more fees because if you want hold bitcoin that is the only scarce digital asset that have sense to exist and to hold you need to:

1) swap bitcoin to monero

2) use monero (low fees)

3) swap monero to bitcoin when you exceed the amount you are willing to loose in a monero wallet

This pattern is like what you do when you use ligthning but the fees are lower because swapping cross chain is more costly and problematic than open a channel.

Also with lightning you have real bitcoin (even if in a "more risky situation" compared to onchain) and so you dont suffer price depreciation of the shitcoin.