I heavily disagree with Anti-Cen who is going full conspiracy theorist, saying "censorship" and "ln is the same thing as banks". That's not how any of this works. Lightning Network is so vastly different from banking.

Lightning Network	| Banks
Completely Trustless	| Requires trust in a financial institution
Instant payments	| Payments take days to be routed through ACH

etc, etc...

I highly recommend that anybody not familiar with how the lightning network operates read this overview on how transactions are created and routed through the lightning network.

As for the rest of what they're saying, I'm not even going to give them the satisfaction of arguing with them because it seems very much like they're not interested in the technical details of how things work, but would rather go around with a sign on a stick telling everybody the end is nigh.