Don't forget that centralized payment systems have someone to go to if something goes wrong. Also, if you mess up the sending or receiving address in a defi transaction, or put in the wrong gas amount even, the entire payment could be subject to being lost.
I believe that's both a good thing and a bad thing at the same time. While having a company to go to when there is something wrong is a great thing, having a company to screw you over is also a horrible thing as well. Would I rather have the risk of being decentralized or would I take the comfort of centralization?
I honestly don't know, in some situations I prefer the centralized version because I would be checking if I would be doing something good or not or maybe I would face a trouble I do not know. Whereas I prefer the decentralized because I do not want my money at the hands of someone else, like Paypal for example, I hate paypal, I would rather risk all of my money then use paypal. So that's why it is not 100% correct answer either way.