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.
Obviously he is missing the point, as you stated, of being decentralized means you have control over your own money, instead of the bank. That is huge. BUT, the dude has a point because most people will choose the more user friendly option, because people trust banks most of the time with their money. For bitcoin to truly take off on a global mass market scale it does need to be as user friendly, or very close to it, as current centralized options. Most people care about ease of use. If there isn't a significant negative difference in using bitcoin compared to standard options, then thats when mass use will happen because bitcoin has additional great features with the main one being you have control over your own money.