It seems better to me it's better for people to use the "Sats Stablecoin" ie Liquid which at least has a proven track record.... just for small amounts of Bitcoin until they have enough to open a channel.

That way at least people can 'save' offline until they an 'economical' amount of Bitcoin to transact (where the tx fee is 1% of the amount for example) and they can start stacking UTXOs.

I would also recommend that people go straight to 'on-chain' at this point... because overnight fees usually drop to 1 sat/vb or like 15 cents so any amount is economical.