Anyone can open a Lightning channel with anyone else, and anyone can also open as many channels as they like. But I guess you're going to call anyone with more than 1 channel a bank 
Yes and what happens when you close the channel after Alice sends Bob $2 does it result in1. Next to no fees
2. Bob having to pay $30 to miners as his Tx hits the block
3. Both Bob and Alice having to pay the Bitcoin miners $30 each
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You've had it explained to you many times already, but it seems you're resistant to learning and just want to shout about everyone being a bank instead. You can use the same logic for Bitcoin mainnet, it's absolutely full of banks.
Wallets and Hubs are not the same thing at all and not only have I tried to explain this many times myself here
but others are saying just the same as me outside the church
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One of the original taglines to promote Bitcoin was, in fact, "be your own bank"
And it went on to say "Virtual free transaction fees" so maybe "you're resistant to learning" when it comes
to hubs keeping balance, semi centralized and they charge fees just like banks do