I use lightning on the regular. Transactions confirm in under a second, fees often less than a penny. Works incredibly well. For custodial wallets (less privacy but you can connect to your bank account to buy/sell BTC and they are as easy to use as venmo) check out Strike. For non-custodial wallets, Phoenix is great and super easy, for maximum privacy use Zeus but it's slightly more complex than Phoenix.

Lightning, like Bitcoin which it is built on, provide pseudonymity not anonymity. Understand the difference and look into it if you're curious. Still vastly better than credit cards, banks, etc when it comes to privacy.

https://voltage.cloud/blog/lightning-network-faq/lightning-network-privacy-explainer/

I'm annoyed by Paypal, Venmo (and other similar vehicles) because they use what should be a simple process (one person giving money to another person) to invade our privacy and to siphon value towards billionaires. I'd rather be able to transfer funds with the simplicity and precision of giving the person standing before me a 'fiver'. And without someone else making bank off the transaction, for clarity's sake.

KYC defined: "The Know Your Client (KYC) or Know Your Customer (KYC) is a process to verify the identity and other credentials of a financial services user. KYC is a regulatory process of ascertaining the identity and other information of a financial services user." https://corporatefinanceinstitute.com/resources/wealth-management/know-your-client-kyc/