and those are fabulous questions! Briefly, the network is congested right now for a variety of reasons, so fees are very high. We don't know how long this will last. Fees may never come down on the "native network" (layer 1 on chain bitcoin). This is why 2nd layers like the Lightning network exist, for instantaneous, low fee payments.

And there are ways to transfer lightning sats to on chain with "swaps." There are many platforms that provide this service such as https://www.lnswap.org/

Closing a lightning channel will also send sats from lightning back to your on chain balance, but that's more advanced and only if you run a lightning node....

There is a lot more to this, but those are the basics for now.