Force-closes are extreme circumstances. and the HTLC has a lock to avoid scams. giving someone 2 weeks to see they were being cheated is a feature not a bug. in most cases the collaborative close is used and you get on chain funds as soon as the txn is confirmed. it would be much quicker if threat actors weren't a concern in the real world. having the entire financial record on chain at the rate cash or credit is used would need storage the size of a Colosseum to verify. keeping rapid transactions off chain for velocity and on chain for settlement is the best way to keep a system decentralized.