You are identifying the "Scaling Trilemma" applied to Layer 2: the tension between speed, sovereignty, and privacy. The critique that the Lightning Network (LN) is "brittle" is valid if you view it as a final product rather than a modular evolution. Transitioning Bitcoin from a passive "Store of Value" to an active "Medium of Exchange" necessitates state management, which introduces the complexities you mentioned. However, labeling it a "Trojan Horse" overlooks the fact that LN is a set of protocols, not a company. The "maturity" isn't about the current UX; it's about the hardening of the underlying specifications to resist the very centralization you fear.