isn't this the risk of all layer 2 solutions? A 3rd party(a) will always control the gateway to the Bitcoin reserve. This is why banks and corporations are getting onboard.
Discussion
no, on Lightning you can unilaterally exit, but there are fees to consider
yes, lightning makes it a more graduated rugging, which protects both sides from mischief better
it makes it so it's better to act in good faith, truly a genius design and actually grew out of a deep study of the architecture of the bitcoin scripting language
Plebs won't be managing their own lightning channels