Story: My first experience with using Lightning was during a meetup. I left the meeting with some equipment and a RoninDojo themed seed phrase paper.

That day after, my bank account was locked for 24 hours because of a supposed fraud check. I have a really bad habit of this and it was the 5th time that year. Because of the living situation I had kept no cash.

I ended up using the sats I had left to buy my food that day and the next thanks to buying a voucher from Bitrefill. If you don't feel like you need it, then you just haven't had the moment when you will yet.