Quote from: d5000 on March 29, 2018, 12:20:45 AM

The standard configuration for most non-technically-savvy users would be only one channel: most likely with an exchange that acts as my hub and connects to other sub-hubs, acting also as my "recharging station".

This centralized idea of LN makes at least much more sense than the decentralized version, to that much I agree. But people wanted bitcoin because of decentralization. If we go back to the model where big centralized banks are key in the whole system, will people still like bitcoin? Doesn't this go against the very core of what people look for in bitcoin? But even in that version, everytime you 'recharge' your 'bank' you still would need to pay the huge on-chain fee.