a decentralized system should not rely on a centralized failover. its good that its there, but i can't accept this as an argument to "try out things"
How do you propose that we build an better/perfect financial system to replace the current one? By not making any change?
Also I think that you missed the part that
hitting the hardware limits would be spotted very soon and we can make the necessary changes to not be a real problem anymore. If the network can't handle big blocks then we can create smaller blocks. It is not mandatory that we create huge blocks all the time.