As an everyday pleb user, I see a payment channel as the equivalent of topping up a custodial wallet. Send BTC, lightning becomes available to spend, done. Except about 843 things that I don't understand or even know about can go wrong in that process and my sats are gone. I'm running a node, doing self-custody, etc., but I know that I'm one power blip away from losing those sats.

So yeah, I think I agree with you.