Do you have any evidence to support any of this conjecture
Sure pleanty so would you like the LN white paper
https://lightning.network/lightning-network-paper.pdfor the network map as it is running now
https://lnmainnet.gaben.win/or maybe you want to watch it on youtube
https://www.youtube.com/watch?v=UYHFrf5ci_gbut if you want the noddy Bob and Alice version then here it is
https://www.youtube.com/watch?v=rrr_zPmEiME"And why do you keep saying "bank"? No one is forcing you to transact with banks. You can open a channel with anyone you like. Or you can still send funds the conventional way. From my understanding, it's entirely your preference if you want to "hop" through a number of people to reach someone or just deal directly with the person you want to deal with. It's just that if you both already have "Lightning-ready" funds locked on the blockchain, it may well prove to be cheaper to go through the other people than is it to lock yet more funds on layer 0 to send directly.
if you want to live off grid then you don't need banking but for the rest of us we do and what we are seeing with LN is
ye old problem-reaction-solution and fees that have already gone sky high so you don't need a big IQ to work out where
we are going.
Long story short, go with whichever option is most cost effective. But the simple fact is, you have options. No one is putting a gun to your head and forcing you to do anything you don't want to do.
Sure felt like "gun to your head" last month when the miners here got $120 from me or did you not know that fees were like $0.10 a year ago and
peeked at $55 per transaction.