1. Is it true and may the banks start owning hubs?
Yes, it's very possible.
I don't know LN very well, but it has occurred to me that banks and other institutions may actually set low or no fee to route as many transactions as possible and
analyze them.
User info may bring them more money (in a way or another) than the fees you'd save.
It really surprises me that Exchanges (such as Coinbase and Kraken) don't set up LN and strongly encourage their customers to receive most of their withdrawals in the form of a LN channel. Wouldn't that effectively turn the exchange into a hub?
That's probably (in) the future. But since they are leading exchanges, they won't lose easily their chance to become hubs. And until then - as late as possible - they can still ask for hefty withdrawal fees to discourage people from moving their money out.
I think that only strong (and many) voices from the community and their customers could make them change their current practices.