Am I lazy because I don't forge spare parts for my car and install them myself? No. I leave this to the huge, rich, established company that manufactured my car, and their contractors. Why? Because the only times I ever repaired anything in a car, was in videogames. And I want to be sure that the thing that I entrust my safety to while traveling, is in excellent working order.
For the same reason, most people don't setup their own mail servers, don't setup their own racks to run webapps, invent their own currencies, grow their own food, produce their own electricity, or dig wells.
Our society runs on a huge variety of systems, most of which are too complex individually for any single human to fully understand/make/maintain on his own. Centralization is not a bad thing to be avoided, it's an inevitable consequence of technological development.