I don't think that's much of a problem for average people. In the end they just care about convenience and not about decentralization. If they can use it instantly, for free, enjoy a variety of insurances on purchases and whatnot, the mass will gladly use it.

In China AliPay and WeChat Pay are giant monsters offering people the ultimate form of convenience, where everyone on the street is using at least one of these apps to conduct day-to-day transactions instantly. It will be near impossible to make these people switch to crypto currencies, and I can't really blame them if they ignore crypto for that specific use.

Also, I think having centralized payment solutions helps covering crypto's main weakness, which is that it can't handle mass use. The mass will keep using centralized money, and those who care enough about decentralized money will use Bitcoin. That's what I consider to be a healthy balance.