If you really think that's the problem and you think you know better than other people, you should quit using every single centralized system out there, like your bank (they take your money and invest it elsewhere! And most people don't even know about it!), credit card (It's just a small piece of plastic but you have to pay them money just to pay money, and they even track your purchase history, how ridiculous is that!), etc.
Sure there are shitty aspects to this (and I don't like it either), but the reason they are still around is NOT because most people don't know, but because most people have better things to worry about. I know EXACTLY what's going on but still use centralized silos for certain things because it makes sense at the moment, even though there are many downsides.
It is these "decentralized" people who are out of touch, not the ordinary people.