Ok, here's where my understanding of the inner workings of muun might be lacking, and correct me if I'm wrong, but I always thought there were no channels in a muun wallet and that everything were just UTXO's in my wallet. From what I understood muun's interoperability with the LN was just that, interoperability, supported by submarine swaps.

Now if you say there's muun's capital locked between {muun's node} and {muun phone wallet} then this truly sounds more like a channel. Do you for instance keep a commitment (refund) transaction and might deploy it to get your capital back in case the user becomes unresponsive?