Random thought on UX idea for non-custodial lightning:

Automatically remove 1% (or maybe 0.5%, whatever seems to map out properly) of every transaction as a fee, but just allocate it toward a hidden "fee balance" in the interface, even though the sats are still available in the wallet.

So whenever on-chain fees are needed, it comes from this hidden balance instead of as a huge fee for one of the payments being received (of course until it runs out)

In the case of the person closes out the channel or withdrawing everything, and they have like 50k sats still in their fee reserve, they can get it back as a "refund on future fees not used" or something.

Basically have it automatically try to balance the expected fee costs but only do it *visually* in the wallet, and have it so you can see the amount in the advanced settings or something. And also have it be tapped into in the case of a payment that needs an extra 100 sats or something and notify the user that it was "pulled from the fee reserve" (or whatever best wording would help inform that)