apart from that - your Lisk amount is stored directly at the Lisk blockchain/your address there. The wallet/hub is just the interface to access it there.
Thank you, but during certain kinds of token swaps, the wallet you hold a coin in can make a difference. In the recent Binance Swap holding your coin in certain wallets would not have worked, but holding it in the ATOMIC wallet would have worked in order to switch to the new coin. Yes, I am aware that coins are held on the blockchain.
No probably you didn't understand how lisk works, your passphrase used to create a lisk address that become your wallet, is wallet independent, your passphrase is your private key, if you enter your passprahse in hub or in another wallet, you will find you coins.... you can change wallet as you wish, lisk wallet is a mere visualizer of your holdings, and give you the tools to transfer money, but there is no wallet.dat to use...
Hope now you understand.