Decentralized money offers freedom and secured access to your funds you can control and holding the coin of yours but in centralized system someone is controlling your funds so you need to decide which one is best.
Centralization is a centralized financial system such as fiat money, where regulation by the central bank is binding and does not follow the rules is considered illegal. Decentralization is an open financial system, it means that all transaction data is on multiple servers that are interrelated, so that they cannot be engineered and misused