I better have a very small chance of being robbed in one of my channels because of my own mistakes, than a chance of monero holding being diluted by a fork or just in general go down in price (because all supplimentary monetary assets go down compared to main asset, because of system effects - look at EUR/USD or silver/gold).

Yes, you can not force privacy on bitcoiners who don't want it, neither on anybody. Such folks can store monero in custodial exchange with full kyc and transfer it between each other without privacy. While those who want privacy, will find a way in both BTC and monero.

Don't confuse privacy and small payment scenarios of LN. Those who use it for small payments, don't necessarily want privacy and it's fine. They don't need to move it back onchain, because that is not their goal. The advantage over monero is still that we who want privacy can hide between many folks who use it for small payments and fee reductions. And if asked why we use LN, we can always say that it is for fee reductions. So it has more potential of being listed in major exchanges. Good coverage. Remember that the best privacy is steganography, when you hide not only the essential information, but also the fact, that you have stollen it.