I'll agree with you that the monopolies (or too big to fail whatever) in finance and technology should be broken up. And I hope everyone who is into crypto banks their fiat at a local credit union.

But I think for most people using lightning means getting an account with a wallet provider. Couldn't they suspend your account for violating ToS? I guess some people could setup their own channel but I don't think that's what most people do.

Proof of Stake just means the biggest entities will have control. That doesn't sound stable to me but good luck.