Incorrect.

Lightning can be used by any two peers, peer to peer.

It's the reliance of one or both of those peers on centralized institutions/hops/third-parties/regulations that creates a pitfall for them.

You're only made to follow mandated regulations if you're a known and centralized, entity with a general business stake in fiat.

If I run behind tor, provide liquidity, and as the protocol evolves continue to push for privacy and decentralization in my own services, no one can stop me.