You lock up BTC in a lightning channel, you can then send that BTC to anybody via lightning,
You can not send the BTC to just about anybody. Only to people with whom you have a channel open. If you want to send to anybody you need to hop through other channels using middlemen. That sounds very similar to the function of a bank.
Not even sure why I'm bothering replying to this bot, but guess misinformation should not be left alone
It's not instant it takes a long time until enough confirmations have been done. It's not even clear how many confirmations are enough.
It's only instant if you use the lightning network. Lightning network is literally a traditional bank transaction mechanism on top of bitcoin. If you are arguing for using lightning transactions, what is the point of bitcoin in the first place?
fees are huge and will only increase in the future.