let me give you some visual aid of a simple example route including one "scary hub" in the middle!
Ok, now let's say you're AY_Yidliz and you want to pay Maca Macarena and Ln2.binance rejects, then what? All you can do is open a channel with her, pay the on chain fee, wire money into the channel and then pay her.
you already have the funds in your own channel and you don't have to make another on chain transaction. you just have to connect to the other LN node.