If you have less than 100$* you need an ecash multimint wallet to spend it easily and privately (imagine a little boy with his first wallet filled by their parents to buy cady...).

If you have more that 100$ you will need an ecash multimint wallet AND a self-custudial lightning channel to initiate stacking your UTXOs and refill your ecash wallet.

If you have more than 500$ you need an ecash multimint wallet AND a self-custodial lightning wallet AND an on-chain wallet with your UTXOs; if you exceed 1000$ and more these on chain wallets need to be cold and well managed with HWs, multisig and so on...

Shitcoiners will tell you this is crazy maximalist toxic and you need to buy their shitcoins to solve your problems and become rich. Trust them if you want to have fun staing poor and being slave.

Now GFY, it's a jungle here my friend.

* The dollar denomination is valid today at block 848187... will change so much in future with hyper-inflation and the rise and rise of the price of bitcoin...