nLockTime, what if someone proposed a vote about how much of your money we all get to have? Would you vote in that poll? Sorry, but the only person who can control what gets into Bitcoin source are the people with commit access to the repo.

Yes, centralised. That's the model that works for software development. Where would this voting nonsense end? The alternative is to make development "equal opportunities", anyone and everyone gets a turn at designing and patching! Have fun with the coin you end up with using that development model