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 True and mainly they want to sell you an inferior solution than lightning. 

Enterprise grade ops on lightning are still a challenge,  but that's because you're trying to fit new technology into existing frameworks.

 
 Nah, losing your money on a mismanaged node is a far higher risk than using a custodial wallet, depending on how sophisticated the user is.

It's been a while since I've set up my node, though. Maybe the newer software is a lot easier/safer.