Ecash is cool, but I prefer my privacy self-custodial when possible especially for larger amounts.
Discussion
Once cake wallet has the ability for the sender and recieve to choose separately between lightning, monero and on chain, I will use it. But for now I don't have a good way to buy Monero and then pay bills
Maybe you should expand ypur resourcefulness and include your bitcoin beliefs alongside other excellent projects.
AlaskaAnon has been living bankless with #xmr for a number of years.
https://traffic.libsyn.com/secure/watchmanprivacy/147_Living_Monero_AlaskaAnon.mp3?dest-id=2727836
Did you seriously just post an hour long audio clip as a response?