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

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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?