A channel is for external payments via a remote party, what you seem to want is a database with accounts for various users... looping a channel back to yourself does less than nothing and makes 0 sense

Lightning.Pub is an account system for Lightning nodes that will let you connect multiple user wallets over Nostr so there's no difficult networking, a payment to your kids would just be a database update

... But no one will be able to make or receive any REAL Lightning payments to the rest of the world without your node having a channel to the broader network, so you may as well just be writing down sats on a piece of paper until you do because you're node isn't actually doing anything

1 channel to bring your node to life would be enough for your whole family and costs a couple of dollars worth of sats