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It doesn't exist, but you can receive small amounts of #cashu easily without asking for permissionlessly, privately, easily, and move that into self custodial. Does that help?

I have never succeeded explaining it to normies. People don't have the attention span or patients. That's why they are normies.

Why spend my bitcoin today if it's going to be worth more next month, next year, etc?

I feel stupid later after spending my bitcoin because it becomes worth so much more later on.

It seems like bitcoin was designed to get around the state, therefore the best products to sell in btc are the ones that the state won't accept. Today, it looks like anything that normally requires kyc is a good fit. Not sure what else.

ACINQ phoenix for lightning users that can't run a full node, ZUES if you want to manage your lightning channels yourself, and then #cashu for receiving small payments while the user is offline (Having an LN Address). Cashu offers better privacy and you don't have to kyc or ask for permission.

For everything else, pick a full node solution. Obvously a hardware wallet for larger amounts.

The idea here is to maximize self custody, privacy, and ease of use.