Completely agree from a user standpoint, sure apps can have support for connecting to your LNDhub or something like that if you never want to trust anyone. 

I think the big thing is either companies rug users or governments can capture company to rug users, but like you say its minimized by not having a large amount of sats on any one service

TheBTCManual

bitcoin

95% of zaps are from custodial wallets. We can do better

softglitter2d

They're not meant as wallets - they're meant as a hot / short term balance for using the site.

If someone keeps his life savings on a social media buffer ... It's his own fault