About the whole routing problem and "big hubs" thing – remember, the LN is all about being decentralized. As more users and businesses join in, routing gets better and better, so you won't have to rely on any single big player. Plus, with the LN's atomic multipath payments (AMP), payments can take different paths, making it even easier to send Satoshis around the world. You can run your own node with a 10 year old Thinkpad you can buy on Ebay for $100.
Also anyone with Cash App can send Bitcoin over LN, today. I don't think you would call everyone with that app a nerd, would you? There are farmers, grandmothers and people in the developing world using Bitcoin to survive today, those aren't nerds to me.
Btw it's pretty funny calling other people nerds when you lurk on HN. If you haven't noticed, nerds have been running the world for a while now.