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yeah but LN is so much less secure than on-chain self-custody.
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What are your security concerns about LN? Your node being offline long enough to suffer an attack is a far fetched scenario. Everything is a tradeoff. For small transfers on chain you are overpaying for security.
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I’m not worried about my node being offline too much. There’s watchtower. I’m worried about having a lot of Bitcoin on a hot wallet running experimental software. Cold storage is much much less risky.
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On-chain to LN or on-chain to fiat is still on-chain. The point of lightning is to avoid the chain amap.