The problem here is that even a sound p2p solution emerges, it will still have to depend on some sort of "gateway" (a term used by ripple).
Yes, gateways do become the next CPoF (Central Point of Failure) if you move your exchange to software, I understand.
The challenge then would be to find a way to create gateways that simply cannot be shut down, such as being too numerous or completely anonymous.
uhm...clueless noob here cause I have no idea what a "gateway" is, but what yer describing is called a smartphone. Well...as in too numerous to all be shut down at once and anonymous as in beer. I mean bitcoin anonymous. Oh nevermind. (grin)