My Bitcoin works harder for me in cold storage than it would anywhere else as collateral or fractional reserve or staking or any other thing.

Cold storage. You want to put your Bitcoin to work, you put it in cold storage.

Liana wallet with timelocks is the ultimate in no KYC fully self sovereign BTC inheritance, just use the simple inheritance template and give your heir the descriptor and private key. Because of timelocks they cannot access your money until you want them to, and this is enforced by the Bitcoin network itself. No outside servers that may disappear. https://youtu.be/rTId6hfiRm0

821 should be a good zap amount because it's like infinity/21M