ah, see, this is how it works for me:

i get paid directly in sats, so this month i just had it go straight into my alby hub LND node wallet

i keep control of my sats in there, in the channels, and when i need cash i zap them over to my xapo bank account (which is expensive, mind, ~$80/month in fees, paid up front a year at a time (ie $1000)

but you see the advantage of this is that i don't have to keep any of my sats in custodial arrangement, it's all locked to a key that i have control of, not as tight as cold storage but better than custodial, and custodial AND registered SWIFT/SEPA capable bank, that's major ruggability that i just don't want to know about. if something goes wrong with my xapo bank, i still have 95% of my funds and can then panic for a day figuring out a second option

i used to hold a few score euros in cash when i lived closer to an ATM but the nearest one from here now is over an hour away where it used to be only 15 minutes, but the local grocery store takes CC network payments so i have very little reason to draw cash at any time unless i want to buy things at the hardware store in the next town