Well, Relai and Phoenix are both noncustodial, so nobody can steal the money, but channels make it hard to pull all of the money out. Can't just recover a LN wallet from seed, or something, that's why my Relai sats are just stuck, now.

Most people will tend to only have relatively small amounts of money in a LN wallet, so they'd have trouble even opening a channel, or paying for a transaction, with their 456 sats.