Is there a way to go USD -> Lightning (sats) without going through the pain of on-chain BTC?

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Cash app, strike

I have Cash App. There are fees (~2%) going USD to BTC.

Cost of not opening a lightning channel. Strike has the lowest fee's from what I hear.

I’m a newb to all things crypto. Lightning channels sound complicated even though I have a server I could run one on. Can you point me to an explanation of an easy solution?