When i compare centralized with decentralized one question comes in my mind that is really decentralized system is viable to do transaction without knowing any central authority. Don't you think it may lead to fraud as well because there is no third party involvement. For example when we use banks to do transaction, Banks should have to consider norms and regulation made by central bank but in decentralized system whom we follow and if something fraud happen and whom we target ?
Many things that should be taken into consideration, if you do transactions with person who lice in the same country as you then do transaction which provided by centralized authority is good because the cost will not so high but if you do transactions internationally then bitcoin/decentralization payment method is better because there is no difficulties and high cost and restrictions.