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 that makes sense!

that is what we shall work for in fact!

about lightning, I would also not use it for storage, but at the same time, running your own node, and opening several channels, will mitigate the risks connected to the lightning network.
For bigger amount of money, but I think in the orders of a 10k, I would also store it on layer1.

So yes, running nodes or, even better, mine bitcoin at home is a way forward!