Only way to do that imo successfully, is to run two of your own lightning nodes, and open a channel between them just for yourself.
Discussion
Would you recommend Alby hub for this or should one just not worry too much about managing lighting channels? Perhaps ecash, liquid or other implementations will be good enough in the future for micropayments.
The dirty secret is we might actually blow up lightning and move to something else. Who knows.
I'd say for now;
• use your Lightning node as a family node
• give your kids an LNBits/Alby/BTCPay/etc. account for them to stack/spend
• ecash would be great (run your own mint on your node [too easy with LNBits]) and give them that
- today's ecash is basically offline, more private lightning
When their balance gets above ~100k sats, use Boltz to swap that lightning, to a UTXO 💜