The fact that these systems are centralized in management does not mean that they need to have any SPOFs.
Also, the Apple App Store and iOS activation servers are the biggest SPOFs of all. Without them, even with a brand new working device, you can't activate it or install apps to communicate.
While true, Signal hasn't done this as far as I know. Until they do, their infrastructure is just as centralized as WhatsApps.
They are owned/managed by the company that popularized "move fast and break things" (though to be clear I do not think that they intentionally take this approach with WA or IG or the FB advertising infrastructure).
If one engineering mistake can take it down, it's not decentralized. Or an action, not necessarily a mistake. It's at least somewhat centralized. An individual can be asked to take it down. In a correctly decentralized service, that can't happen.
[1]: https://techcrunch.com/2021/09/26/signal-the-encrypted-messa...