I guess that depends upon how you think decentralisation should be handled.

What I find most frustrating is that everyone keeps ignoring the fact that Bitcoin has made no inroads into the remittance market and instead keeps on arguing about coffees (or whatever small txs).

Why don't you guys care about the fact that it has failed to defeat Western Union when that company is gouging people for fees in excess of 10%?

Seriously if it can't beat WU then it will never beat VISA.