Decentralized money is definitely more attractive than centralized banking systems, Banks tend to give their money and demand high interest rates for what they kill, but only provide a small portion, like interest, decentralized money, on the other hand can quickly get a benefit for a short period of time.
Of course it's better to decentralize money, it make more convenient. It is decentralize! It means that there is no hassle. Even if you are at home you can do any transaction, and another way to earn extra income without tax.