Well Phoenix isn't a custodial wallet so its not an apples to apples comparison. Did Bank of Australia come back to US app stores? They're doing business as "Wallet of Satoshi". That would be a more apples to apples comparison.

I think Phoenix's bolt 12 should be supported as a withdraw option. Right now only Phoenixd is supported.

I also think users that don't have attached wallets could have their sats go to a (per profile of course) lightsats.com link where they can go through that beautiful onboarding to get set up with potentially their first lightning wallet and withdraw their sats.