Probably a controversial take but with small amounts, perhaps they can stack on liquid using the nostr:npub1ajlrwgfj4yerhqf7ady03h7wmtk2qr3gs7h3sxcx83k05yld36sswpzx3q ?

That's what I suggested to my sister. She gives me fiat cash, I send her small amounts of bitcoin

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I recommend DCAing into #Liquid too. Then to main chain once enough for a good size utxo. Phoenix fees are too much (0.4%) if spending on lightning not a frequent need. Aqua, SideSwap, & Green are good options.