Nice information, i think that we all need to know how the lightning network is going to work, and i see that a lot of people are just very outdated about how it will work.
it is centralized only because it works by channels, not by normal payments.
Maybe it works as an "upgrade" for bitcoin, but you are opening, closing, and constantly doing the same thing over and over again with the same channels.
But yes, it is never going to be about banks, so if you mean that with "centralized" then you are wrong.