Running a lightning based service would be risky as soon as you run into trouble. Lightning is a bit tricky because if your backup is slightly out of date, channels are getting force closed and you'd have to manually piece together all the transaction logs. Looks like that's what they're having to do.

I played around with LNbits and LND custodial accounts back in the day and the thought of runing wallets for family members seemed very risky. If your node dies, good luck sorting it all out.