@OpenSecret with a fedimint may be the answer I have been looking for. I have been trying to find an efficient/easy way to give kids allowance in sats without panicking about high fee environments or channel management.

I had them do @BTC Sessions tutorial this morning for a bonus 10000 sats. I think if you incorporate Fedimints, there is a balance between trust, easy usability,and fee efficiency. Will try it for 2 months (short term spending and short term savings) and see how it goes.