I would like to agree but it's like your onion skins and the more I peel bank the more obvious it
becomes that lightning network is all about banking (Relay nodes in Tor) and the miners have
the BTC to deposit to complete the next hop plus hardware and also the skills to put themselves at an advantage
during disputes

See https://bitcointalk.org/index.php?topic=2776719.msg28395400#msg28395400

Your BTC is locked in a private ledger with the bank and does not cross over in the banks to the banks outbound
ledger so effectively your borrowing your own money during transit over the network