As safe as you trust the person holding your funds and keeping that server up & online

not your keys, not your coins!

Safe for life savings? No

Safe for a spending wallets? Probably

We're going to find out as new users come on board and don't have 100k sats to open a self custodial channel. They'll either go to lightning custodians or ecash custodians.

Being too poor to be self-sovereign on Bitcoin is a real thing.

use multiple

Between a multisig and a singlesig, the former gives me much more peace of mind.