We have seen the effects of centralisation already and we do experience that in our daily life which is via fiat currency. The day to day use simple and we don't see much fluctuation in the fiat. The one dollar bill can get you premium chocolate today and same one dollar bill can get you premium chocolate after two months or even after a year. This is stability and our dollar bill stays dollar ever. You save it but it doesn't grow in the value and neither it could make you rich.

This all is because of centralised nature of it where there are many many limiting factor for it and regulations can change it and nothing else. That would have been effect on the bitcoin too and we would have never seen so much spike in it and neither we could have earned any profits from it.