As I'm learning about Bitcoin Lightning, I'm seeing some major red flags. To use it, you need an account with a service provider. It's a username/password type of custodial account. Then, the node has full control over your funds. They could shut down without warning, or transfer your funds. The only way to actually have control is to run your own node, but doesn't that defeat the purpose of Lightning? The whole point is to allow many users to transfer tiny amounts of money a lot, eg zaps. To me, it seems that Lightning nodes have all the problems of Mastodon. Imagine the problems of Mastodon, except it's your bank account. That's bad. What am I missing?