1.The future of work is Contributor and not employee.
2.The future of platforms, systems and institutions is decentralization and not centralization.
3.The future of contract is smart contract and not trust contract.
4.The future of money is crypto and not fiat.
i think it is possible that you are too caught up in the hype.
the fact is that both of these things that you are pairing against each other have their own value. for example centralization, employee/employer,... have their own usages. in fact in most scenarios they work best instead of a decentralized solution. same with fiat, the centralized money printed and controlled by the government and banks. with all its flaws it still has its merits too.