This is what bitcoiners have been saying for years. Most apps don't need to be decentralized, and those that need, don't need a blockchain. There's only a very narrow scope for apps which actually benefit from a blockchain.

This is also a major differentiator between web3 and web5[0]. Web5 has the idea that identities can be decentralized with Bitcoin blockchain, but everything else is basically old-school P2P. If needed, incentives and payments can be done with bitcoin.

There's apps like fountain.fm[1] which allows people to easily spend and earn bitcoin. Such apps don't even need to be decentralized, but can benefit from the properties of digital currency.

Trustless financial apps will be possible on Bitcoin too, when RGB or Taro are released. Some financial apps are already possible, such as Itchysats[2].

[0] https://developer.tbd.website/blog/what-is-web5/ [1] https://www.fountain.fm [2] https://www.itchysats.network