You think that most people should rely on off chain solutions? Needing third parties in order to transact in Bitcoin defeats part of the purpose. We should be able to use the Bitcoin Blockchain directly, off chain solutions do not truly increase the throughput of the Bitcoin blockchain.
All transactions do not need to be censorship-proof in a world where censorship-proof transactions exist. The possibility of censorship-proof transactions by itself will cut down on censorship because it will be seen as futile.
I agree, however with one megabyte blocks at greater levels of adoption, it would lead to centralization in terms of the limited amount of competing third party payment processors or banks. Since in order to transact with the Bitcoin blockchain directly the average person would be priced out by having to compete with payment processors and banks over the limited space. I do not think that situation would arise because of the existence of competing altcoins however hypothetically this limited group of payment processors and banks could become points of censorship as well. Much worse obviously then a blockchain that more people can use directly.
https://bitcointalk.org/index.php?topic=946236.0