None of your balance on ANY custodian is necessarily "locked in a channel" on the blockchain. It is fundamentally no different than eCash.
I also run a Lightning node, and I host Lightning wallets for a few friends and family. I can add any amount of sats to their wallet that I want. I can zero out their balance entirely. All of it without any actual sats moving through a Lightning channel.
Indeed, I could close all my Lightning channels, sending the funds on-chain to my own cold-storage, and their wallet will not indicate that their balance changed whatsoever.
And no, my setup doesn't use eCash whatsoever.
I assure you that all custodians can do the same.
I wasn't calling you out for using Coinos. Use what you want. I was calling you out for not understanding that your wallet with Coinos is not a fundamentally different situation than someone who uses Minibits as their custodian.
