no one gets ‘pushed‘. everyone is free to trade on the blockchain as usual, but can also use a paymentchannel if requested.
They also don’t need to be ‘centralized’, because they are a-hoc channels, and could simply be created for a certain purpose (from a cup of coffee, to for exampl ea footbal gambling pool with your colleagues ).
More professional companies would pop-up to handle large scale transactions, for example to handle payments at Starbucks. They would pay for transaction, insurance and security.