Exactly.

Here’s a scenario:

I’m a brand new ecash user. I download wallet called Joe’s Ecash-O-Rama. It’s really slick and has good UX. I proceed to use it for a few weeks, get a bunch of zaps, onboard some friends and family members onto it. Then one day Joe disappears, his node goes offline, the wallet is unreachable, and everyone’s sats are gone. Now, not only do I feel scammed, but so does everyone I convinced to use it.