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Looks like @Siggy47 (below) has come up with a great suggestion. I'd seen the word Ark thrown about in posts in the last few days - but with limited time didn't read them.

On first look it seems like a possible solution to the 'Little Old Lady' question.

Yay!

PS here's the podcast episode that Siggy mentions:

Stephan Livera Podcast: SLP482 Burak - Ark: A new L2 protocol for Bitcoin

Plus, Burak's announcement