Limit LN fee to what on-chain fee would be

[Giszmo]

I'm using Phoenix as my main driver and I love it but I find myself doing on-chain transactions more than LN recently as on-chain fees are low and I send substantial amounts.

For example 0.5% of $800 is clearly more expensive than 7sat/vB today.

I would love to see a fee guarantee to be lower than the on-chain fees. It would get more fees your way and would make using Phoenix even easier.

Of course you can probably do some chain analysis to see how many people actually avoid paying the LN fees in this way and for which amount of payment but I think it's the right thing to do regardless of how often people opt for on-chain.