Understand this. The only time your on-chain bitcoin should move is to open LN channels.

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Or for very very valuable stuff

Like what?

Productive land, well built homes.

Ok, I'll bite: What about if you are a maker on JoinMarket?

What is joinmarket, I'm curious?

JoinMarket is a Bitcoin Wallet that ensures privacy and earnings via decentralized CoinJoin, ensuring untraceable BTC transactions seamlessly.

https://www.joinmarket.cloud/index.html

It's a marketplace for auctioning coinjoin liquidity. Makers passively earn sats while other people pay the mining fees to continually remix their coins for them.

Okey... 😆