I fully agree. Without having some centralization in the system we are simply unable to work with real world businesses. In order to comply with money laundering regulations and filter out sick, illegal content such as child pornography we must have certain centralization. Besides that, only administrative part of the system is effected by centralization to manage model sign up, check IDs, bank account details for cash out and process FIAT payments. The core modules such as the P2P nodes, public ledger part of the blockchain are decentralized. We have a choice, have some centralization and as you said provide for users better and more convenient services with lower cost or thinking rigidly about centralization and do nothing about that models currently get paid 50% and sometimes even less from the service providers.