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?  If I want to transact with ANYONE that ALSO has an account at the same exchange, then my transaction would just need 2 hops (one from me to the exchange, and a second from the exchange to the person I'm transacting with).  If the big exchanges then set up a few large channels between each other, I could transact with any of the millions of customers that acquire most of their bitcoins at exchanges.

Same thing with mining pools.  If each of the largest pools were to set up LN and strongly encourage their miners to all take their withdrawals over LN, then the pools would become yet another hub. The pools can even set up their channels in the blocks that they create (which reduces the "cost" of setting up the channels to the lost opportunity of including some other fee-paying transaction in that block instead).  If they try to do it mostly when the blocks aren't full, then they can effectively open and/or close their own channels for free.