First I would like to be convinced that centralization is actually a problem.
Most things in our daily lives are centralized: Power Generation and Distribution, Water Distribution, the Logistics which put food in our stores, Infrastructure setup and maintenance, to name just a few.
Yes, even our financial systems work fine. I get my paycheck on my account, I can pay effortless with my credit card, security, maintenance, services, customer service is taken care of.
Yes, there are shitty centralized systems, and there are opressive authorities that abuse centralization. The solution to that however, is not "get rid of centralized systems".