There is no point to decentralisation if it doesn't improve our lives in some way. If its more difficult and more expensive then I don't want decentralisation.
It improves your life by denying others control over you.
Achieving that can be costly, irritating and a little clunky sometimes but it's one of those things you'll moan about until you truly need it. At that point it all makes perfect sense.
There are many wonderful centralised options ready for you right now. Give 'em a whirl.