The huge fees is getting its solution I think its the chronic disease of FUD's that is killing bitcoin in general. If we see as a whole today there are lot of people involved in crypto trading so just a slightest of a rumour is more than enough to burn the whole market these days. Fees problems is getting solutions like the lightning network and segwit. Segwit itself has been good at removing high fees problems.
The FUD is often based on facts like slow speeds, high fees and you forget that Segwit came out five months ago and fees just kept going up
so trust in the development team has been lost because they sat on their hands and did nothing. Lightning Network now has the spot light
on it and many developers don't like what they see and Mr Poon is not answering emails
Have you taken the time yourself to read the lightning white paper to understand just whats going on ?
https://lightning.network/lightning-network-paper.pdfQuite simply if you care to look the correct name for "Hubs" is banks and Channels are "Credit Lines" but if your not convince
then search the document for "Savings Account"