Hardly anyone are making Bitcoin payments without going through some kind of centralized third party, like payment processors and exchanges or wallet providers.
And that's because we're having problems with adoption. Now, for someone to get Bitcoins, the person will need to probably convert dome Fiat. Doing so shall require you to use a medium to facilitate that. For someone to convert some crypto back into Fiat, the person will need similar services.
Anyways, Satoshi's dream has been partially fulfilled in that we've been preaching about this innovation for 10 years now, and there have been majy improvements with oldster companies even joining in.