There are almost no 'client-to-client' channels like the enthusiasts predicted, but it's mainly 'client-to-hub'.
nobody i forcing you to use a node that you
think is a hub. go through another route. and so what if it is a hub? it doesn't change a thing. it is still processing transactions and won't know who sent it and who is receiving it. the only thing that that hub is going to know is that it is supposed to "process" this transaction and it doesn't belong to it.
i don't see anything centralized here!