option 3: I pay the $20 channel opening fee. The channel goes to my node. User doesn't gotta worry about a thing.
If I would start now taking payments, I think is better to start accepting LN in a custodial wallet and after I put together 200 or 300$, I would send that to my hodl wallet (non custodial on chain) or I would open my first channel on a easy wallet like phoenix or breez.
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