You should still be having seperate on-chain and lightning wallets tho. Your savings vault has different security needs than your spending wallet.
It's done mainly because of my paycheck recipience through Bitwage; it's easier (less secure admittedly, however) to have one wallet for Lightning and on-chain assets I can then add to my LN channel liquidity if need be.
Plus having unique address makes it so that receiving my checks is far more secure than having Phoenix covert on-chain sats to Lightning ones.
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Okay but checking account vs savings account you know?
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Great suggestion. Containerization of funds is the best approach to self custody
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