Or you fire up a cheap VPS + domain, install LNbits on it and connect it to your own node or a Voltage node. Now you are uncle Jim and you can create custodial wallets + LNAdresses for your friends and family.

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But I don't want to custody anyone else's funds or manage Lightning infrastructure for them. That's far too much liability and potentially classifies me as a MSB.

So you think they have the resources to go after each a d every family run Lightning custodians? That’s pretty bearish.