I wish Bitcoin was as decentralized as everyone says it is.

Unlike fiat cash or gold, you can't spend it without an internet connection (in order to sync up the public ledger and submit the transaction).

You're subject to miners to approve your transactions, which in theory should be democratized, but isn't really since it's based on computing power, which in turn can be bought or centralized in mining pools.

You're subject to a small cabal of developers' whims in having to use the reference client and hardforks to patch up bugs in the protocol. In theory that should also be democratized, with people free to use whatever forks they want, but in practice it's centralized with everyone fleeing to whichever fork all the mining pools go with.