my answer to this is. its not the basement dwelling hobbiest who sets up a node that allows 8000+ connections to be a good 'hub'. as thats then just socio-political risk of getting caught if they dont register as a custodian/msb.
plus these hobbiest hubs wont have the liquidity to honour their promises of funding say $60 each for 8000 users ($480,000)

its the established businesses that self declare they are regulated custodians and are publicly advertising that for X fee they offer quality trustable service and best online % uptime, best liquidity of routes and best chance of route success. all available in exchange for some registration/basic ID requirements

.. after all why do you think things like coinbase.com are so popular even with kyc headaches and 1.5% fee's..
because people think that regulation=protection/trust/honour

after all.. in a world where paper money is still a thing. why do you think people even bother using a bank.
its never truly about 'force' its about planting the utopian thought that something is great if you use a commercial service/ network which has restrictions/limitations/headaches, but its fluffy cloud utopian benefits outweigh peoples freedoms
thus people voluntarity give over thir id.
(facebook is great example of Id/lifestory grabbing service, in exchange for some fluffy service/benefit)