SAYING THE QUIET PART OUT LOUD: BITCOIN WITHOUT COVENANTS HAS NO WORKABLE SOLUTION FOR FULLY SELF CUSTODIAL SMALL PAYMENTS AND HODLing. All solutions such as Liquid, custodial lightning, ecash, etc. make reasonable trade offs for certain people and situations given BTC as it exists today, but they are all custodial and strictly worse than BTC self custody would be with even the most basic covenants. 
*I intentionally exclude running a fully self sovereign lightning setup because this just isn’t practical for the masses, we are all learning this the hard way in real time. 

 Lol, patience, lightning is only 5% complete, people grinding to find bridges and make LN available to all. Rome wasn't built in a day etc.