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To get rid of these hassles you can keep very little bitcoin in these accounts. Just keep as much bitcoin as you need to pay monthly coffee bills, and other bills here so that you don't have to incur huge losses even if they freeze your account.
I am not using these third party wallets now but i tried coinbase and they had a default withdrawal fees which was much higher than the fees that was needed and with the price going higher i do not think that they will reduce that and if you are sending micro payments then you pay the same fees that is not feasible. It is better to use other mobile wallets with customized fees rather than using those wallets.
It is true. I agree that the lightning network is the reason for sending bitcoins of little value. If we want to pay for a cup of coffee for $ 5 using bitcoin, it is recommended to use a lightning network because the fees are very low, and transfers to other addresses are also very fast.
You need a lightning network opened by the coffee shop to send those payments as well. I am not aware of any store that accepts lightning network payments and the truth is that the adoption rate is really slow.