The banking hubs coming with Lightning Network are not really decentralized and become a single point of failure
anyway if you only open one channel and personally I can accept a cluster of specialized nodes inside the bitcoin
network and it does not mean that Alan Greenspan owns it but he might like to own some of the banking nodes we
have coming.

NEO has some interesting concepts and they have separated the network from the currency and Ripple
has done the same with PoW being dropped by everyone as far as I know in the newer systems or 3rd generation
as they call it.