No such thing as "bad bitcoins", but if you don't like yours, happy to atomically swap you 1 "good" bitcoin to 1.1 "bad" bitcoins.

Transaction fees are way higher on fiat payment rails and have been going higher. As they fake fintech companies are finding their pumped up ZIRP ponzi valuations can't hold, they are raising prices -- I have 4.5% fees on international card payments over Stripe and about 3% domestically.

LN has maybe 1% cost and Phoenix just dropped their fees so it's getting cheaper. The Ordinal scams died down and onchain fees are low enough that for something that costs $100+ it may be cheaper.