in my opinion the key is in "who can run a lightning node/hub?" as long as it is anybody who wants (which is the case and now there is incentive to run a node) then i don't see any kind of centralization in this. you are still connecting to a peer to peer network and making a transaction on it. just like any other p2p network there may be peers by banks, government, shady people, normal people,... but the good thing that i understand about LN is that the relaying nodes don't know about the origin and destination of the transactions they receive, they just pass it along and know it doesn't belong to them.