How do you prefer to use/pay with Bitcoin:
+ onchain wallet
+ own lightning wallet
+ spark based wallet
+ ark based wallet
+ custodial wallet
zaps if you share more details on your preferences.
I would recommend a multi level system.
A wallet like Phoenix (self custody) - that can do lightning & and onchain - on your iphone for “pocket money” in day to day life and then some real safe distributed cold storage solutions
A wallet like Phoenix (self custody) - that can do lightning & and onchain - on your iphone for “pocket money” in day to day life and then some real safe distributed cold storage solutions