You can buy with fiat or exchange some other resources or work directly for #ecash, like you can use $ without depositing gold in a bank.

Then, when you exceed the amount that is ok to have in a bank you can buy some liquidity for a non-custodial channel by some provider and start your stack. If, at some point, you will reach an amout that have sense to detain in a on-chain utxo, you can swap.

Today bitcoiners joined ecash by the path:

on-chain ----> lightning ----> ecash

but in the future the path would be probably the opposite, and I think would be a good way to scale bitcoin adoption, with ecash neo-banks replacing old banks.

Today we choose bitcoin for his property as freedom money, in next years normies would choose ecash because it will be infinitely better and smarter then their fiat homebanking and credit-cards. Ecash will achieve this by:

1) basing on bitcoin and lightning as hard money instant inter-banking settlement, infinitely better, open, permissionsless in opposition to swift/sepa systems.

2) free banking, everyone with a laptop and some liquidity can be a bank. Market competition will bring us the best solution (that will build trust) and trash the worst (rug will happens).