Not really decentralized when people have to rely on third party apps like Strike to open channels for them, or they have to open the channels themselves while both users are online. It’s a mess from a usability standpoint.

> ...or decentralized settlement networks like LN.

Not very, though. Lightning recentralizes the Bitcoin blockchain to improve efficiency.

"10 percent of [Lightning] nodes control 80 percent of funds on the network." — Bitcoin’s Lightning Network Is Growing 'Increasingly Centralized,' Researchers Find[1]

[1] https://www.coindesk.com/bitcoins-lightning-network-is-growi...