Assuming that they can receive and send their money quickly and conveniently with ecash, I speculate that they will never care about the difference between centralized and decentralized.
why speculate when you can look at reality?
if it didn't matter to people then trillions of dollars wouldn't have been transferred between customers and merchants using bitcoin so far.
of course not everyone understands the benefits of a decentralized censorship resistant currency, but we are not talking about every single person. most people do care about it.