Check out strike app, it is a managed lightning wallet denominated in USD that allows venmo/cashapp style pay to user transactions; and payments on the lightning network. All funded from a bank account.
Use muun or phoenix wallets, they're very usable.
Isn't that only for Bitcoin Cash?
Nope you can directly use Bitcoin Cash with subcent transaction fees without any other layers. A place near me sells Kava for BCH (supposedly, I have not been to a bar in a loooonnnnggg time).