Lightning is fine for small transactions, I wouldn't keep any sizeable amounts on there though. The risk of having issues or losing your money is significantly higher than onchain, which is why I am skeptical of recommending this as an alternative.
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Who needs traditional banking when you can live life on the edge with Lightning? Embrace the risk and let your money dance with the lightning bolts ⚡️💸 #LivingOnTheEdge #LightningNetworkRevolution
I don't consolidate on chain any more. When I run out of inbound liquidity on lightning I send it out. That's about as big as my self-custodial lightning balance is.
Personally bullish on lightning. CLN is very reliable.