I totally get that.
It's just that I have a different use case in mind: Imagine 100x from now someone trying to build an on-chain utxo of let's say 1 Mio sats that would buy him or her a home.
That is the recipient with a savings goal of 1 Mio on-chain.
The sender could be some bank-like service locking the liquidity for an agreed period of time (years).
So yes, the incentives are still:
A) for the recipient to broadcast the last state to receive any money at all
B) for the sender to wait and get everything back
Still the recipient has all means to delay broadcasting without retaliation.