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The simple answer: using LN. I have years that I do not use onchain for regular payments. Only LN. And I have to mention: I live on Bitcoin standard (no more fiat here).
This is the correct answer.
Am using bitcoin more frequently than I did the previous month, which was more than the month before that, and so on. Because these involve custodial exchanges and wallets, probably not a single on-chain transaction was the result, at least not for my spending alone.
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