Centralized systems make wealth hard to unseat, but they also afford a level of UX – convenience, failsafes, oversight, etc – that is simply out of reach for decentralized products today.
QR codes don't ring a bell? Failing that, custodial wallets, escrow transactions, credit cards that turned crypto into fiat... these have been around for close to a decade now.
I don't like cryptocurrency; but I know what it looked like a decade ago and feel like the UX was often easier than paying with card.
> but they also afford a level of UX – convenience, failsafes, oversight, etc – that is simply out of reach for decentralized products today.
You should tell that to all the proprietary UNIX variants. I'm sure their graveyard is getting pretty lonely nowadays.