[plebianRube]

I don't. I pay the counterparty directly with lightning for under 200 fiat equivalent, or on chain for larger purchases.

The point is, I never need to buy fiat (what you call withdrawing)

[YetAnotherNick]

Either you are living in a completely different world or exaggerating the number of transactions by a lot. I do dozens of transaction per day from grocery to digital items to service to bill payment to repair and so much more. I am pretty sure almost no one in that group accepts crypto.

[HWR_14]

Is "under 200 fiat" the same as "under $200 transaction fee" in USD?

And where are you that most counterparties accept BTC? El Salvador?

[inkcapmushroom]

Not the parent, but I think they meant "for purchases under $200 in value I use the lightning network, for larger transactions I do a direct transaction". The $200 was not talking about transaction fees AFAIK.