When bitcoin first appeared I imagined a world of peer to peer payments with no central institutions. LN is most definately not that.
The graphic tries to show how funding a channel is like funding a 'hot wallet'. A more accurate description is that funding a channel is like depositing money with a bank.
I always said LN will be supported by big money. No doubt there will be an epic pump, because 'scalability is solved'. I don't like it but I can profit from it. The original dream of bitcoin doesn't exist though.
Opsec, ease of use, familiarity and so on. There are masses of users who are not qualified to use bitcoin the way we do today. The lightning network will add a commercial element to bitcoin. And yes banks may end up forming and playing a part in these systems. But your grandad needs LN to help him transition in. decentralized and uncensorable does not exclude capitalists from trying to use the system to their own ends... in fact it welcomes it. But it allows cypherpunks to exist right along side.
Think of the internet. You have a massive commercial and financial foothold, and then you have decentralized networks, projects like Firefox, WikiLeaks... Monero...
There must be room for all.