Lightning wherever I can, but some places/people only accept on chain. Also in NY USA it is difficult to on/offramp with LN. I was hoping for something like cash app to fix this, but LN service is available to all states except NY in that app. So if I want to fund my lighting, I need to fund on chain like USD->BTC->LN. I imagine some services offer straight USD->LN.. just not here. I assume due to the Bitlicense.