It's pretty simple to me. You don't want to custody your wealth in Lightning. Lightning is like the physical wallet you take with you when you go out. If you loose it sucks, but not a big deal.

That said, lightning is 4 years old, by next decade, lightning nodes will be standard built in on routers. And we will be discussing here: Don't get a router with a node from Comcast! Buy your own router that has a Lightning Pi Board in it