I guess that with wallets and with a small amount of money it's not the same, but we also said to the people "start with FTX, then you'll learn how to use your own node" :)
But yes, I 100% understand what you mean.
Yeah, you also get inbound liquidity in the same amount. I'm not sure about other wallets (that actually open a channel), but inbound liquidity is one of the most important aspects of using LN. In general, you pay more (than Phoenix fee) for services that provide inbound liquidity, so that should be considered as a feature, not an issue.