Thus conflicting one the foundations of Bitcoin, decentalisation? After 10 years, we've reinvented the Bank.
Nope.
Alot of people make this mistake. There won't be much incentive to attempt to make hubs of payment channels. The resources needed to run a Lightning node are little more than running a regular Bitcoin node, i.e. not much.
So the routing algorithms can use as many node hops as they like, as charging a discernible fee will only hurt how well your node is connected within the Lightning network. No-one's going to choose to pay high fees with this model, as it's going to be far too easy to find a cheaper alternative. Making a business out of that is going to be tough, it's real race-to-the-bottom economics.
So back to square 1, we need to pay fees to open the channel each transaction? Or we keep our own channel open (tieing wallet balance) hope our recipient is on LN with an open channel?
Like the idea of running a node though, have my old machine for mining that i keep meaning to give a new project.