A lightning node that you only turn on every once in a while is a good way to have your channel partners close your channels on you.

Non-lightning (on-chain) tipping of 21 sats at a time would be an exceedingly bad idea.

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Alby hub would close a channel if it was not turned on for extended periods of time?

#alby

Your channel partners might. Not Alby Hub.

OK I am definitely missing something in the old comprehension department. Please explain in greater detail.

Alby Hub is the software that runs your node. You hold your private key and open channels with with LSPs. Those are independent providers, not run by Alby itself.

Fuck fuck fuck.

Now I have to hope and pray that I didn't lose my funds?!?

You wouldn’t lose anything. It would simply appear in your on-chain wallet after the channel closes. It might take a little time to see it depending on how recently the channel closed, but your local balance will always return to you.

Minus on-chain fees for the closing transaction.

Unavoidable.

When you open a lightning channel, you lock an on-chain UTXO into a multisig with your channel partner, whoever you opened the channel to, or bought the channel from. If your node is offline for a while, they may decide to close the channel, because that's liquidity they have locked up for no reason if you are usually offline.