I only make about 1 transaction a week on average. It makes absolutely no sense for me to open up a LN channel. Furthermore, opening up a channel subjects me to a counterparty risk. The other party could transmit an earlier, more favorable tx to the blockchain and rip me off. Yes, if I catch the other party in time, I can invoke a penalty. However, this involves ensuring my Lightning Node is online 24/7 or enlisting a third party to monitor for me. Seems like a malicious hub could invoke DDOS attacks on vulnerable channels and known third party monitors effectively knocking them all offline and hightailing it with lots of BTC.
We will probably be able to enlist third party patrols and pay then with a part of the penalty/reward - which amounts to the FULL CHANNEL value! This is a strong incentive for would-be patrols. All it takes is ONE such guy to spot a cheating transactions and the thief is done. It's not like an individual patrol must keep its rig online 24/7. I think there will be very little cheating. It's way too risky for the perpetrator.