It's more like a mesh network since payments route from hub to hub via channels. The issue I see its overly complicated to be used any time soon for a mass Bitcoin scaling solution. Those payments channels will need to build up a lot of liquidity to route properly. The other person would also need to have a lightening wallet. At this time you'll need to run your own LN node to have a LN wallet. Watch towers will also be needed for hire and several other services to be secure. I just know from running businesses and investing into tech space for quite some time its the most simplistic ideas that work the best.