Let's be realistic. A safe-place for anonymous money transactions is never ever going to be community-focused. It may start out community-focused but we all know it is going to end up like 4chan.
In the end, aren't you still in a cesspool?
You're saying 4chan is healthy, perhaps because you have an affinity for it? My daughter and her friends believe tiktok is healthy, again, because they have an affinity for it. I understand that people find their communities in these centralized places. That said, having an affinity for one centralized website or another doesn't make that centralized website necessarily "healthy".
You may argue, "But Ah Haaa Bilbo0s!!! Decentralizing these sites won't make the decentralized places any less cesspool-like than the centralized versions." Perhaps not, but health and clean content are not really the point of decentralization, distributed control is the point.
We shouldn't confuse our own tribe's centralized system as the ideal of "healthy". Someone downthread here put it best:
When people mention "community-focused", they often omit that the community refers to their own community