Think of the crypto instead of the paper money. The government has the money as a USD, but still, everyone prints their own money in their house, Facebook Telegram accepts their own money, not the USD. It does not sound right, does it? So do not be so believer.

Unlike you, I pay attention to decentralization, for me, it as the most valuable thing that crypto has earned us. It is possible to create a lot of things that can be used as payment, but as decentralized a few.