Yeah, I think the biggest issue is getting people who are just "buying bitcoin" to think about it at all. I have a healthy relationship with my UTXOs and could probably write up a decent effort at how to do this well in our context, but the bigger issue is getting people to think about it all.

We've considered everything from nice and tidy warning messages when people are buying a little bit of bitcoin (say less than 500k sats, maybe 1m) to brute force, where every payment from our app goes to a self custody Lightning wallet whether you like it or not.

We're still in the territory where an every day, first time buyer of bitcoin could potentially mint a longer-term economically viable UTXO (after spending ~$1000 NZD). But every move up makes it more likely our users will be creating UTXOs they won't be able to spend in the future.

We need to start with what we can do with education now, but I think, ultimately, this will require hand holding where we tie in a wallet UX that makes sense an just guides the user through good decisions around this.