the best shot for the common pleb of ever holding RealBitcoin™ is holding _optional_ UTXOs in covenant enabled models such as Ark or Timeout-trees where the only need for an on-chain tx is if the operator fails to cooperate

this requires a stable incentives model that is still theoretic, and it's theoretically irresistant to a "run on blockchain" scenario where a large cohort of cooperated activity breaks and requires settlement

yet that's the best option i can think of going forward, BEFORE resorting to things like federated pools