when i want to be paid on bitcoin. i see the coin confirm.. its mine. game over. no debate, its mine. finito.

when using LN and see the promised millisats. its not yet settled as being mine for good. there are many things that can take that value away from me.

if i want to settle. i have to wait for the other party to sign.
yes this may be automated to happen a millisecond after a HTLC secret is revealed. but even if a partner reveals the HTLC secret(LM millisat promise). he then has to sign off on the commitment(separate contract). and due to no network wide consensus. a partner can edit his own node software to break the 'autopilot' code to not auto update commitments straight after HTLC secret reveals

but even then, even if he did not break "autopilot" its not yet confirmed on bitcoin. and he can easily still send his older state commitments before you. and so you have to watch for his cheating and you then have to intercept and activate the punishment

soo much to do just to hope cheating does not happen. so much trust is needed to risk not having to watch 24/7
yes you have choices to discourage cheating. to ensure your promised payment eventually becomes your free and clear days later. . but with each extra choice to add extra safeguards requires more trust by other parties