Lightning network is a 3rd party offchain payment system
Would you care to name this supposed third party?
LOL,
LN Hub operators.
Serious how did you not know that?
Guess it won't be apparent to you even when the
LN Hub is Named Bank of America. 
Guess it will never be apparent to you that you don't have to route through a hub if you don't want to. Try actually learning how it works instead of repeating the crap you've absorbed from reddit. It's as peer-to-peer as you're willing to make it.
I mean, perhaps
you might need to rely on a hub, since you don't strike me as the kind of person that people would voluntarily want to associate with, let alone transact with.

Seems like you've spent too long looking at
franky1's bus.