Majority of liquidity and channels are concentrated in the top 20 nodes, and those 20 nodes are hosted with 3 hosting providers.
There is some truth to it, but ultimately they could all collapse and the network still runs, because of the plebs
Similar story with mining
Well the point of lightning is not for someone with 0.1 BTC to be able to use 100 BTC of liquidity, It is that they can be connected through channels that allow them to interact with faster settlement. In order to be a central node you need to be interconnected to tons of other nodes, so you almost cannot be entirely centralized on lightning even if you wanted to be.
It's like it simultaneously incentives centralization and meshing my brain hurts
