centralized = can steal your precious, what ever the excuse...
decentralized = your keys, your coins...
how could people learn if they always forget?
Sometimes I need to transfer btc to bank account/card, payment system account etc, it is impossible doing without exchangers like i mean. Crypto may have decentralized exchangers, but BTC to PayPal, BTC to bank, bank to BTC etc can't be decentralized
not enough DYOR... bisq, local bitcoin, etc.
search and you will find, as it was said

.
GL.