I want to set up a Bitcoin account for my daughter to pay her pocket money and to put money she gets from friends and relatives for birthdays and Christmas. What I the best option for a 10 year time frame. Something that won't get rugged, that will still be around and that won't have unspendable UTXOs? Is a lightning channel a good option for long term planning? I would love a static address to send to, but don't have the knowledge to run a lightning node with ghost address.