Yes it is. That's why a lot of people seem to be moving to custodial services instead of hosting themselves. Too bad really.
Discussion
This is my biggest complaint with lightning. I wish self hosting was a primary design consideration. If it were easier to self host, it would be a better 'fuck you money' IMO. Ever since I started listening to podcasts on lightning, I wanted it to fail to start a different layer 2
That being said, many cool things are happening in lightning. Maybe it will get easier
I am just using custodial services and don't keep more than I'm comfortable losing.