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 I disagree: not a pain in the ass but seond part yes.  
 how many of your family members run their own lightning nodes? 
 None, besides me. But they could within a day. Not on command line level but on UI Umbrel level. 
 Umbrel is easy to setup, but I've known many people over the years that have used Umbrel and then turned to me when issues arise. If they didn't have someone to help them, they may not have gotten their funds back. Most people will not have someone in their wheelhouse to help them. I ran Umbrel for 2.5 years. It's a solid platform, it's just not for the non-technical. 
 You either have a server running Debian and manually configure everything, or you don’t run a node. It’s that simple.

If you can’t do that then you will lose funds 
 Right. Running the node isn't the issue. We have that point and click easy now with a pretty GUI. It's the troubleshooting and management of issues that will arise that seem to be the real problem. Every single time I have one and fix it I say to myself that there's no way anyone I know would've able to do this. Maybe issues will become less common as software matures. 
 That's why there's a technical member in every family to help the UI members 😃