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 Soon after I joined Nostr I set up an Alby wallet, but I never connected it to a card.  So it's a separate pot, all the sats in there come from zaps from Nostr interactions.

Not every new person exploring Nostr will receive a ton of zaps, even if they do set up a wallet.  It depends on how you use Nostr.

That's why I'm interested in ways to let people use paid services without having to learn about lightning wallets right away.  The best quality services will be paid, so we don't want to exclude people from them just because they don't want to bother learning about Bitcoin right off the bat. 
 Connect alby to a card? For what? 
 I don't even know if you can connect a card to Alby.  I was just trying to follow what nostr:nprofile1qqsz4t0m3tragwk2d5tyakvjfq28jyqysf5kq8lkp4zx83x4kw4lmngpzpmhxue69uhkummnw3ezuamfdejszxnhwden5te0w35x2en0wfjhxapwdehhxarjxyhxxmmdqy2hwumn8ghj7un9d3shjtnddaehgu3wwp6kyuj9s2m was talking about. 
 Ah ok  
 I think there should defintwly be options for scenarios of people turning up on zero sats. This could be people on zero sats and zero knowledge, people who can afford to pay for sats, and those who can't. Rn I think primal and their app with wallet integrated has got it p much covered for people turning up with not much/no knowledge of bitcoin and no sats but want to be here (this mythical creature lol, but it does happen on rare occasions). But also yeah people who are willing/able to pay dosh for sats 🤔. Not sure that really exists now(?). Apparently primal also does this, but may not be working atm.