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.
between decentralization and centralization of course must support each other, as you mentioned where at certain times we prefer to use centralization, therefore, hopefully the government will soon make regulations that can balance the use of centralization and decentralization