I always thought that lightning was inevitably going to follow the 'hub and spoke' model... where the 'hubs' probably run by exchanges and businesses would process a large majority of transactions.

And the 'spokes' would consist mostly of 'pleb nodes' that are sending through the hubs.

I don't have the sats to create a large 'routing node'... and I'm not sure I would want to anyway. I wouldn't get any sats in return probably... and I don't want to worry about it being secure enough to hold "entire Bitcoin".