Yes, still centralized, but it's getting better I would say. It's sometimes a disappointment to me too that these things still take time for people to know how to deal with in a daily basis. But once people do, its like trading drinks, or favors... "I give you this, for that...". If we think harder, in our daily lives we might do a lot of that, but we never see the dark side of those "transactions", because we usually have a 3rd party attribute messing up our clear view of things, trust!

What happens when one of the ends wishes to be naughty? Trust... dies...

The other great point of your statement and a very legit one is the business sustainability of a service. Which many crypto newcomers still arrive at this world with that attitude that this is all "free". Which is not... and until time kills those bad habits, business on crypto will be crawled with bad actors that kill potential businesses like atomic swaps ventures (the next step of these are the multi-chain contracts).

Finally and to make my point, if I say to the World that I will be launching a product that is better than X (or even the best in the world) and you can only invest if you buy "pastéis de nata"... I will anticipate the price of "pastéis de nata" to rise, in order for everyone to get the product. Even if they don't know how much about the intrinsic value of "pastéis de nata".

In this case many only look at the final investment, and sometimes forget that on the way you are also "moving values". Hopefully these paths which will increase in complexity, will create more room for decentralized economies.

"pastéis de nata" is a Portuguese pastry delicacy.