Sorry but even the lightning network leads to more centralization. You still have to open and close each end and not every individual can do that because that’s already 2 on chain transactions.
Network topology centralization is not even remotely the same as concensus centralization. Having a highly centralized topology is mildly bad (but probably avoidable) whereas centralized concensus completely eliminates the usefulness of cryptocurrencies over various trustful payment systems.