If what tsimionescu says about Lightning is wrong, can somebody kindly reply to them explaining why rather than just downvoting which doesn't help anyone. (Maybe there's a reason they were downvoted that isn't their being wrong, but I don't see what that would be.)
(And sorry for going against the guidelines and talking about downvotes, but I'm really just asking for someone to either confirm what they said is right or explain why it isn't, I'm not caring about the votes themselves.)
See https://blog.breez.technology/lightning-btc-iou-62e3a712c913 for instance.
As that post makes clear at the end, if you don't monitor the BTC block chain actively (with an app or by paying a third party you trust to hopefully do it for you), you can be cheated out of your BTC with Lightning.