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Lightning just uses multi-sig wallet escrows for locking funds. You trust the 3rd signer.

This thread glows.

Zk merkle trees is the best option for privacy, hence tornado cash being sanctioned by sactioners.

Monero is holding up good regardless of its theoretical flaws.

2-of-2 multisig in lightning. No 3rd signer.

What's a zk merkle tree?

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Here's etherium's well written white paper on it.

I've seen that, just wanted to hear if you'd explain it like "just multisig"

No, zk merkle trees cannot be explained like lightning being just a multi-sig node network, can.

Why not? Lightning is obviously more than "just 2-party multisigs", as I'm sure zk merkle trees is too.