Why do people choose to not use reputable, open-source software when it comes to their life savings? I mean, you seriously don't think it's a good idea to spend an hour or two extra, to ensure you won't just let a stranger ruin your life?
I mean, if you are dumping $45,000 in to a centralized, absolute shitcoin like XRP, then you probably aren't doing much in the way of research.

But I wonder, how can wallets be compromised? How will hackers gain access?
Does Atomic store customers seeds or how is it even possible?
We don't know. Such is the nature of closed source software. Nobody knows what it is actually doing. Is it generating seed phrases from a list that the developers are secretly holding? Is it sending seed phrases over the internet to a server somewhere? Has it got a built in function to sweep all funds to a malicious address at a particular date? Who knows? This is the risk you take with closed source software.