I think that nothing life-changing is actually going to happen. We have already been there.
While what you say sounds logical can you point out where in your "been there logic" things were decentralized?
Actually, they were completely decentralized "there". When it all started back then, any bank could issue their own "money".
So by decentrilization you mean different banks issuing money. I guess we are still in a decentralized economy then since different nations / organizations / banks are still issuing money. Guess what. No.