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 High fee times are when lightning is most needed/wanted, but also when it’s the most painful and costly to have something screw up. Good connectivity for reliably sending meaningfully sized payments without them failing isn’t cheap. You lock up a lot of capital in a hot wallet to maintain those channels with adequate liquidity, and a lot of time monitoring and backing up channel states. Lightning is amazing but running a full always-on node just to receive zaps is overkill and puts a lot more money at risk than what you might lose if a custodial wallet rugs.  
 Yeah I don’t run a node anymore unless you count using Phoenix as running a node. I’m glad the option to run my own node exists in case I ever have a need to do that again though. 
 Yea Breez, Aqua, and a small custodial balance does everything I need it to for now.  
 For zapping yeah but for some of us in podcasting 2.0 we’re running nodes and connecting to each other so the sats flow. 

PC 2.0 uses keysend payments and has deeply integrated Alby in the apps so this is the perfect setup for what we are building. 
 Yeah this use case makes sense 
 Makes sense if you need it. It’s all about tradeoffs.  
 The node technique works 😅 
 why is more money at risk?  what's the risk you fear? 
 The risks associated with running a Lightning node are not anything new, so I’m not sure exactly what you’re asking here or why you are asking it.