In Brazil, this idea is well-established, with many people using the Brazilian CBDC with more privacy via Liquid (Depix) and soon on Lightning. Nubank is also integrating Pix with Lightning. On the main Bitcoin blockchain, there’s not much you can do, as it needs to be solid; over time, it tends to have fewer transactions, which will lead to increasingly higher fees. Take advantage of opening LND channels while fees are low!