I don't follow when you say the coordinator can claim to be unable to make . What cordinator? Do you mean channel counterparty? An easy way around this is having at least a few channels in your node.

You can always close the channel as well and get the on chain back.

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This is not lightning, which requires a utxo per user, but a new thing. The controller would obey user commands to transfer funds, and be penalized if it didn't do it.

Hmm, fascinating!