I've read it several times, but it hasn't helped. I'm looking for an easy way for less technical people to set up a lightning node without a monthly bill.

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I feel your pain. I don’t have the answer, but I would check with #[5]​ - he might have a video walkthrough

I think the easiest way to setup your own Lightning node is using Umbrel. You could then connect the btcpay server to that OR a lightning /BTC wallet.

Agreed. I just wish there was a mobile option.