yea it would be nice to not need this level of centralization though. Thats sort of what we hoped bitcoin would save us from.
Bitcoin "saves us from" centralization of the currency. Instead of a central bank issuing dollars (or euros) at a ridiculous inflationary rate to meet some political plan, we have a protocol issuing bitcoins at a predictable rate.
Entrepreneurs will always find opportunities to gain a profit by filling the needs of others. That won't change.