Once you have the high capital hubs, then you can start fractional reserve banking. It's only a matter of time.
This is why the bankers and all the CEOs want this so bad. Lightning will be a middle-step to getting people off-chain and then other centralized hubs will spring up that aren't related to on-chain transactions except that you just deposit funds in them like you would an exchange. To the end-user they would be convenient and better than lightning.