During settlement with the hub/bank the balance left in the private ledger gets release so even if you
have $0.01 left in credit then it gets written to the BTC public block-chain and the hub has to pay the
$30 to the miners and locks are then released in the BC that were created when you made a deposit

Remember they are selling lightning to us as if Bob , Alice and David create these money conduits that they call
channels and you better hope that Alice is happy to act as a charity hub for you when she gets hit with having to pay
the miners this $30 transaction fee.

if you on the other hand owe $0.01 to the Alice then you get to pick up the $30 bill and believe me I have
not even started to blow holes in this deception that they have planned for us.

Yes sure anyone can become a hub if they keep the software running all day, have lots of hardware
and tons of BTC to finance the private ledger plus high speed internet connections so that will be the
current miners becoming bankers won't it then