A #Bitcoin cold storage wallet is like your long term investment account.

Bitcoin on a lightning wallet or a relatively small amount on a lightning enabled exchange like #CashApp , #River , or #strike is your liquid savings account.

Your checking account can be using #Bitrefill or "The Bitcoin company" to buy a digital visa gift card using lightning, you get 2% back for doing this then you can connect the information from this digital visa gift card to Google or Apple pay.