I see a lot of response here, couple of clarifications are mandatory.

when I say centralized, I do not mean a single node, I mean the management is centralized, similar to private chain, I do not mean we have a single node.
in regards to the point of block chain, we will continue having people who mine or we will have multiple private chain owned by different companies, the point here that the management of the cryptocoin is centralized and managed by a single person or a small group who issued it.

you can attached a coin value to existing currency or commodity, there are countries who did that for many years, and some of these countries are doing very well now, one I believe is the world largest economy

I do not require any mining to discover currencies, the purpose of the miners is to loan computing power to the processing of transactions, they will be paid for their processing, however, the miners work distribution will be controlled and optimized by the centralized management, it will decide how many nodes will handle how many transactions to ensure fault tolerance, and also include high availability, to illustrate,  with a scenario which has 1000 nodes and 1000000 transactions a day, I will find  way to distribute the load to that subset of transactions which is based on some load balancing logic will be handled by each of the nodes, this will optimize resources and still maintain the benefits of blockchain

What I mean about fixed number of block, is that since it is distributed private chain, there is no mining, its like all the coins are premined and distributed based on real work, the total number of coins is determined at the beginning of each period and issued in advance, as I said, miners are paid for their work, not to discover coins but rather to process transactions based on the rules above

Swift and ACH are some of the technologies currently used by banks to send and receive electronic payments between themselves

I can and will get rid of fees, this is because if the coin is attached to a real currency or commodity, I do not require exchange to determine the price, since I am paying the "miners" I do not need to have additional fees built into the currency