I'm not going to pretend to have the slightest clue how it pans out until there are a few actually up and running.
You imagine that people will stand around doing nothing to change their behavior as LN nodes become centralized. But if decentralization is worth anything then that is precisely what will not happen.
Whisper it, but most people would choose convenience over decentralisation most days of the week. Look at Coinbase.
There is no point to decentralisation if it doesn't improve our lives in some way. If its more difficult and more expensive then I don't want decentralisation.