[littlecranky67]

There is a sweet spot between custodial and self-custodial wallets: "non-custodial" wallets like Phoenix Wallet or Electrum. You keys, your coins - but expect higher fees (which are still way less than CC providers or other payment processors). No need to manage channels yourself.

[Karrot_Kream]

Interesting, they manage channels for you and charge some fees? Makes sense, I'm not averse to paying for convenience.