If you can't afford on-chain, you can use custodial lightning, preferably ecash, until you improve your economic position and the security of self custody is worthwhile your increased savings. Eventually on-chain wouldn't even have capacity to on-board people to lightning, but I'd fancy some upgrades to lightning's protocol allowing channels to be opened natively on lightning or to Bitcoin itself, like covenants. If you don't have savings to lose, Wallet of Satoshi works just fine.