In the future I can imagine myself having multiple wallets, be it Lightning or ecash, which I segregate by use case and use some app that abstracts these being categories like “groceries” or “entertainment” etc, allowing me to budget each month by just automatically topping up each wallet appropriately at month start from a main Bitcoin wallet.

I can imagine working in layers of decreasing liquidity like this. Almost like the storage/memory layers in computers. They get bigger and slower where you access them less frequently