Lightning will fix everything if you never want your bitcoins back/received. If your/businesses are fine loaning coins forever to the channel than it will solve everything.
Hubs will have no problem doing this for a fee. This will be centralized. So if litghning does work. Decentralizing gone and or your fine having your coins on loan forever.
the problem people are complaining about = low-value and consumer payments. in that case, do you really
need your bitcoins back? cold storage for long term holding, lightning for short term spending. what's the problem?
and your coins aren't "on loan" when they are locked in a payment channel. they are time-locked. similarly, you can time-lock your BTC right now, making them unspendable on the network until a specific block number has passed.
i'm not convinced the topography is hub-and-spoke. but even if it is, that's more of privacy issue (all transactions processed by centralized entities) than a trust issue. it's still trustless.
How long that coffee shop that you go to gonna wait for thei actual btc and not ious?
How long your employee gonna wait for their paycheck of actual btc and not the ious?
How long are you gonna let the person from Craigslist take your item your selling with his iou?
Lightning is junk for peer-2-peer.
For peer-2hub-2 peer probably work pretty good. If that hub gets shut down by a government, there goes your btc you had in the channel. If that hub charges high fees? Theres goes low fees.