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There are no "banks" charging "interest" for "keeping BTC in the ledger". Most people would struggle to fit that much wrongness into a single sentence. If you genuinely want to gain an understanding of how fees and revocation in LN work (but I'm starting to suspect there's nothing genuine about your posts at all), there are plenty of resources available.
You seem to have your fun in responding to the fud.
I was always wondering, why lightning nodes should be banksters and centralization (cause they take fees! Chorus of outrage), where miners are not.
The ideology of these people is hard to be discussed at a non emotional level, and always has some Monthy Python elements. I stopped to argue with fundamentalistic people. They appear to be too many levels below scientific levels. And in these discussions they pull you down to their level of (non-)understanding, and beat you there with experience. Waste of time?