I am in the same camp, but I also changed my mindabout decentralized crypto - bitcoin et al. When you look at it close enough you will recognize that they are controlled and influanced exclusively by Whales (individual with enormous amounts of given crypto). Of course that is not a direct control more akin to grey eminence, but it almost 100% opaque. Also there are a lot of different options for FIAT money and as everything on the internet there can be only one/few winners. As you said we would be at mercy of FB, Amazon, Google, or whoever has their hands on BT.