An exploit like heartbleed could also allow an attacker to drain the funds from your standard BTC or altcoin wallet.  Maybe you should just stop using all crypto.  You clearly aren't cut out for this stuff.  



Except they won't be lost forever.  Also, this delay is only in the event of an uncooperative other party or you are the one forcing the channel closed.  If you're dealing with a legitimate retailer/merchant and they become uncooperative and cause inconvenience to their customers, they're not going to attract much business.  It's in their financial interest to follow the rules.  For the average person, this isn't going to be much of an issue.  It's fair to assume normal people ren't going to attempt running the largest node on the network.  But perhaps the larger hubs may have greater concerns in this regard, since there may be slightly less incentive for those connecting to them to play by the rules.  But then that supports the notion that LN won't result in a small number of giant, centralised hubs, instead of how you keep arguing it will.  So, as usual, thank you for undermining your own argument.