You have not taken the time to read the white paper and you are free to call lightning hubs what ever you like
but they charge both transaction fees and interest on BTC loaned out and the rest of the world tends to call these
"Banks"
yadda, yadda, yadda - we already had other people posting about "banks" in exactly the same constructed,weird messages. At the end they somehow disappeared for good reasons.
Fundamentalistic behaviour in a religious manner - waste of time...