The idea is that everybody who functions as a hub in a route gets a small fee for it. So you gain like 'interest' on your money that serves as a hub. I don't see a problem in this part.
Well to be a useful hub/bank you need to open lots of channels, have the hardware and money to fill the buffers (Trading Capital)
and a 24/7 program running plus network bandwidth and this set up shown blow just won't achieve anything
Claire--David--Pam--You--Harry--Deb--Peter--and Paul
Because if Deb runs out of money on deposit then "You" cannot spend even if your in credit with Harry and
even if we ignore internal fees on the private ledgers we are still in lots of trouble because Pam can close the channel
with you when she is in credit with you for just $1 and you then get to pay the $30 miners fees
Your combined deposits don't propagate up the channels only your spending or earnings propagate