Ok it is nuanced I will grant you that, but I think our goal is that users can receive bitcoins without any more of a ceremony than having an address, and that money remains passively safe somehow, even if by employing a watchtower, as long as this watchtower can't steal (only fail).

This is the least people expect from payment systems.

However, operational/maintenance fees are acceptable, but losing all the funds wholesale on a such short timeout is just not going to fly.