I don't know for sure but so far Bitcoin itself seems to have held up quite well when it comes to security
It has.
but as I understand it if a lightning wallet transmits an out of date transaction to the network then the banking hub can claim all the money in the
off-chain private ledger.
You have MANY false assumptions about how Lightning Network works. These false assumptions lead you to post a lot of misleading nonsense. This is just one more example of that.
Thing is who do you call if it was not your fault
Why isn't it your fault? Take some personal responsibility for your actions. If you publish a stale state, it
IS your fault.
That being said... You can just call the person/business that you opened the channel with in the first place.
and how can you compete against bankers rules since they have full access to the protocol that won't be available to normal wallets.
More nonsense. The protocol is public. Use open source implementations.
Down the road I see the hubs being attacked if they start taking peoples wages
They can't take what isn't given to them.
and they are all single points of failure so looking at the LN map
If there is more than
ONE, then (by definition) it can't be a
SINGLE point of failure.
whats going to happen if one of these big hubs gets taken down by Annon
Nothing. They just won't be included in the route.