If you can afford a unilateral exit in the first place, you can open a Lightning channel.
The scam is that it claims to offer solutions, when in fact all it does is introduce trust and centralization as trade-offs
Lightning wallets can use trust and centralization to for better UX, but that doesn't get hyped up by hipsters and investment like the "current thing"
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That’s not really relevant, because your argument would be applied equally to suggest sub chain-fee Lightning transactions can’t work or aren’t real because you can’t just send them on chain. It’s a layer, the unilateral exit is the cost of *enforcement.* That cost is exactly what allows all normal transactions to *not* require it.
It’s like saying that we can’t actually have retail payments unless every single person can securely pay for a wire and there can be no trade unless every single person can take every single transaction to court and be adjudicated immediately.