They have more incentive to collude between them and make it harder for smaller independent nodes.

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Each node on the network is just that, a single node.

The incentive is to keep the network as is, and once established is almost impossible to change due to competitive behaviors.

The problem with centralized services is that there is no good way to interact without it.

With LN there is a good way to interact & it will only get better as the network evolves.