Here is the problem. On a new Phoenix wallet with a newly opened channel all of the liquidity is on your side of the channel. As a result you don't have any inbound liquidity to receive a lightning transaction so Phoenix does a submarine swap which increases the size of you channel but is an expensive on chain transaction due to the current backlog of transactions in the mempool.

If you were to do a bunch of spends from your Phoenix wallet in the form of many zaps or a purchase at Bitrefill or something, those sats would move to the other side of the channel. You would then have a good amount of inbound liquidity and a transaction like the one you are trying to receive would come through as a regular lightning payment with very minimal fees.

Phoenix is an excellent wallet but since it's non-custodial you do have to think about channel management to a degree.