In 2022, you can't presume a damn thing.
As I noted in another comment, users could do all manner of things they don't do. In practice, defaults are overwhelmingly important.
When Infura blocked all of Venezuela in March, due to an error in over-applying sanctions against Russia, some wondered if the Ethereum network was being blocked. No, it was just the app everyone depended on for almost everything.
In the fabulous future, I'm sure it'll be great. In present-day reality, things are as I described them.
Nobody actually cares much about Infura or other points of centralisation because approximately 100% of Ethereum participants in 2022 have a firm and unshakable ideological commitment to being in it for the money, on an extremely short-term horizon.