Hardly anyone are making Bitcoin payments without going through some kind of centralized third party, like payment processors and exchanges or wallet providers.
Yeah, at least I don't know anyone who doesn't use a wallet to send bitcoins. To be honest, I actually didn't know it was possible until this post.
If we are talking about third parties, let's also mention escrow services without which many are not feeling like doing any business... We surely messed up with the trustless transactions, but I think it's not that bad in comparison with other issues. The first one is that most of people are not really performing many transactions with bitcoin, but are holders. Money ain't good when it's not used. Those who do use it, though, are mainly traders that buy and sell only for some fiat profit, which is imo even worse.