Well that's no true at all and BTC does not scale and they did not need to wait for the wheels
to start falling off it before rushing to fix it.

it said "Near virtually free transactions" on the box so it should have had a maximum
amount of fees that would be charged and it is not decentralized when ten big miners
account for 90% of all transactions.

We can debate if Hubs in LN are really banks but your above comment is not
worth debating IMHO