You are deeply wrong comparing banks & lighting network. It is not possible to ‘forfeit assets’ in the open channel on the network. You should see how the system works, then talk about it.

And even if by some miracle that would be possible, you are never forced to use lighting network. It is mostly used for a quick an tiny transactions like a coffee bill, so you are never in danger of losing everything.

You are simply deeply disinformed @valued-customer. See who has done that to you.