I am reading Mastering the Lightning Network. In here, author describes the process of commitment formation. Like this.
Must there be four steps for the new state to be fully formed?
Suppose the new promise is in A's favor, the first 3 steps have been completed, but A refuses to cooperate with the last step (somewhat strange). So B seems to be in a quandary, he is afraid to broadcast the old promise, all he can do is broadcast the new promise (get less money). So A took some of B's money before the new state was fully formed. In step 2, though, B agrees and sends its own key, which is not pleasant.
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