its also worth noting and people need to accept the risk that their funds are no longer 100% theirs in a channel.. its not a sole holder bank account. its a joint account. because it requires the other person to agree on what you want to do with "your money".
and we agree when we do that, that the lock-out time is 1 week,
still needs agreement, thus LN is not peer to peer its partner to partner, just to clarify the inaccuracy of LN promotional material
..
anyway, without 2 signatures.. funds cant move
Well, if we don't agree that the lock-out time is 1 week, we cannot even start to set up the channel of course, so nothing is locked in. It is during the same process of fixing the lock-out time, that the initial commitment transaction is made and broadcast. If there's no agreement on the lock-out time, there's no possibility to even make a commitment transaction, and certainly not to broadcast it.
But I like your expression "partner to partner". In peer-to-peer, your connection to a peer is "without engagement" and can be broken as fast as it can be set up, with no costs. If I fire up Openbazaar, I look for peers, but these peers are individually trustless, and if some behave badly (don't respond, flood, do crazy things), I can just cut the connection and look for another peer in a matter of seconds. Once my funds are locked in with 'a guy on the internet', it is my partner and I cannot whimsically decide to cut that and go elsewhere in a matter of seconds. it is a matter of days or weeks, and I have to pay money. This is why I said that one cannot compare IP routing to the LN.
So indeed, partner to partner.