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Small centralization it doesn't mean bad. It means trust. It means smooth transition.
it's technically not "centralization" if the backbone is unmodified peer-to-peer Bitcoin; I'm not familiar enough with modern jargon to confidently tell you which would be the most acceptable word in some technical conference, although "federated" or "distributed" might be close.
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I've been promoting private banks over LN for ages. Nowadays we have many solutions for that. And I even wrote some guides about those scenarios:
... but yet, people are dumb and go to use Spark and other bullshit so called solutions.
THIS IS THE WAY!
Great advice. 1 node runner can handle few dozens of users, in private, But that is a huge step forward bitcoin adoption.
Small centralization it doesn't mean bad. It means trust. It means smooth transition.