I strongly believe that a currency system in decentralized space should be publicly owned, meaning it shouldn't be owned by a single person or centralized entity, hence shouldn't be privately owned. Private ownership of such delicate/important collective resource is an abomination in the world of decentralization. It's going to lead to abuses that are contrary to the Bitcoin Ideals/principles, unless the principles is coded in the rules and can never be changed without users participation/consensus, and this somewhat makes it publicly owned if your users determine the organization future direction, plus running nodes, helping to secure the network and possibly owning crypto assets in the organization.
Besides, money/currency is too important to be privately owned. That sort of private ownership will attract traditional regulators, if you decide not to attract them, then you need to keep things decentralized, transparent, public, based on the good bockchain principles, based on fair/good rule, consensus-driven, etc.
I think you can still be a founder of a decentralized public organization and still be as wealthy as "private founders in traditional world. (if you choose to). Things has to be unique in this space
Yes, your summary is very good. The currency system of a decentralized system should be public. It should not be controlled by a single individual or a group, but should be owned by the entire community. This is the true spirit of decentralization. This kind of thinking is affecting more and more people.