this pattern is actually still better than LN and swapping cross chain is less costly and less problematic than opening a LN channel actually because one side may need inbound liquidity to receive, the sender needs to find a route for the payment, so channels need to be well thought of with good connections, while on XMR the receiver just needs an address and gets payments for free.
Discussion
swapping cross chain is so costly or custodial (and still costly).
Also on xmr you need to count the btc fees because if you stay with your resources on xmr you will pay your shitcoinism trending to zero.
You can swap with atomic swaps and you just pay mining fees and retain custody, and you don't need your resources to be on XMR, it is fungible money, as soon as you receive you can spend it and have the resources you need paid by interchangeable money. No traces and no identity, just usable digital cash.
Atomic swap requires more movement onchain than a single tx, and so more fees, and most coordinators take theirs fees for maintaining up the service.