This is killer if you're trying to maintain a good UTXO threshold. It's why I didn't use strike for the longest time until they finally did away with these limits.
Discussion
Yea. A good way to mitigate this, if your exchange supports lightning withdrawals, is to withdraw smaller purchases to your own lightning node and then swap those sats out to on-chain once you have enough for a good size utxo. This can also help a bit with the privacy of your resulting utxo before sending it to cold storage.
Fold has a minimum of 30k sats for onchain withdrawal. For an app used by beginners I’m surprised they don’t have a warning on why a 30k utxo would NOT be smart.