From the discussion in one of our private groups: People say that by far the most they have paid in fees was for lightning payments. And some are shitcoiners and have paid for defi and more then a few have experienced the high fee market of Bitcoin in December 2017.

For me it's not the case, but lightning is close second. You can expect 0.2-0.5% per payment, sometimes you need to pay for incoming liquidity.

Lightning did not really solve the fee problem, but that might be good, because it is a business, meaning there's sustainable development and infrastructure.