That usage is not a generic payment usage. This is a use case it is good for. But if 8 billion people should use Bitcoin for their everyday shopping, that is a totally different case...
MasterCard was around in the 1950's, in 2026 they do not still use the same method of exchanging money as they did back then and have had to make big changes to their systems as time has gone on, Bitcoin does the same thing except it's not controlled by a banking cartel but by all it's userbase.
Bitcoin is absolutely not controlled by its user base, but by another cartel (made of mining pools and exchanges). You, as a user have literally no say in any decisions taken by bitcoin except voting with your feet, which is exactly what you're suggesting against Visa & MasterCard's (which aren't banks by the way…)
If a large enough percentage of the node runners need refuses to propogate a block from a bad actor, then another miner can mine the same block and get the reward.
In an ideal world the best non-miners can do is prevent some transactions by preventing them to reach the mempool, but you're not going to block an exchange this way either.
The bitcoin protocol is actually very friendly to centralization, the only mechanism that was supposed to prevent it was the PoW, which failed because ASICs exist. And as a result, in practice it's been very centralized for more than a decade now.