It does not matter if it will be a decentralized or centralized bank!
The issue to be discussed is why you allow others to make and think about financial decisions for you!
You need to learn to be your own bank, learn how to defend yourself and keep your business safe, or even more!
Do not use the word decentralization for anything!
This will distort things and cause false impressions!
The power of decision is with you? Not? So it's not decentralized.
This is funny because it applies to most projects and cryptocurrencies currently, I think it's best to think a little.
If you are not a miner, you run the risk of being involved in centralized projects.