Yeah I don't really understand the purity stuff around this. If you're using a custodial Lightning wallet for $20, the worst that can happen is you lose $20.

If you run a Lightning node and don't really have the chops, you might put $1000 on there and lose that instead.

Lightning is an entirely different beast than Bitcoin. And of course if the need truly arises it's an open system. You can always run a node if you need to.