Your rudeness shows that you have lost the debate and if a user only pays to open a channel to one banking hub at a time
because these things cost money then if the banks goes down then the user is stuck. Words smith will not change this fact
and is known in technical terms as "Centralization"
If, of your own volition, you only use one channel when multiple channels are available, it's wholly unjustified to then complain about centralisation. It's your choice. Use as many channels as you need. If you only had the choice of using one hub, then yes, that would be centralised. I would be right there with you saying what a terrible idea it is. But there isn't one hub. So it isn't centralised. So it's fine. I don't know who 'Words Smith' is, but he won't change this fact.
Again I can only refer you back to the lightning white paper, specifically the part about bi-directional channels needing BTC from both
parties in the ledger or do you think that some nice man you don't know is going to tie up his money for you free of charge inside a ledger.
Still not the same thing as "banks charging interest", but if you want to continue to harm your own credibility by calling it that, be my guest (but I'll continue to point out you're wrong). Plus, anyone who actually understands Lightning isn't going to believe you, so you're only doing yourself a disservice in the long run.
Mr Angry Bird is now trying to give out advise on how to debate but was he to read the white paper
https://lightning.network/lightning-network-paper.pdfand to do a word count on the term "Fee" or "Fees" then he might notice that it is mentioned forty five times
in the document and then lets see who's "Making shit up" here.
Yes, there are fees. If the fees with LN are smaller that using a standard on-chain transaction, then use it. If not, don't. No one is saying you have to use Lightning 100% of the time. Just use it when it's cost-effective for you. But the more you use Lightning, the more advantageous it will become to you. If you don't want to take advantage of it, by all means use something else. If you don't like having fees at all, go use DogeCoin or some other altcoin entirely. Everything about this is 100% optional.
But what's definitely not an option is thinking we're going to sit here and accept you taking a steaming shit all over Lightning by cherry-picking the parts of the whitepaper that sound negative based on your limited comprehension of it. Troll harder.