I noticed you've posted the same thing in many different posts with increasing inaccuracy.

> instead they have to be given permission to transact by monolithic liquidity hubs

Completely false

> who of course must take their own fee

May, and routes aren't prescribed so they may take a fee on a payment that may be routed through them.

> I would want a rate of return similar to stocks but times some multiple to account for the very high risk of my hot wallet getting hacked and losing all my money.

What. This is completely disconnected from Lightning's functionality.

Please stop spreading FUD.