thank you. i lost 250000 sat on umbrel. lost forever. can tell you the whole story. even jim from umbrel, a very nice helpful guy helped but could not retrieve it. yes it is easy to use. 99% use custodial solutions. it is centralized.

scam was meant when you install lightning and open a channel. you have to do balancing, you have a hard time closing channels, it is expensive and you can easily lose money. scam is not fraud. scam is a soft word for losing money.