The real feature of centralized services is anti-fraud. Conversely, the real service of crypto is easy to commit, hard to trace, irreversible fraud.
(also, you've missed all the points in the original article which crypto does not provide!)
(also, you've missed all the points in the original article which crypto does not provide!)
The real feature of crypto is decentralization, which does not need to mean fraud—in the same way that end-to-end encryption does not only facilitate criminal behaviour.
On the opposite, you have ultra-centralized governance and zero democracy.
You should erase the idea from your head that cryptocoins bring anything valuable to the payment world.
Users (non-devs) have agency through the software they choose to run. If mainnet was seriously affected by some attack, users could choose to migrate to a healthier network run by honest nodes. This agency happens with every hard fork: the DAO, but also the PoS merge.
Of course still lying into the face of potential users about "decentralzing things" while trapping them into the platform - what a joke!