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.
Anyone who believes that bitcoin will be the standard payment method and fiat will not be needs to open their eyes and see the real world. We are doing fine with crypto and all but the reality is that we are also looking at something that is only an "alternative" to whatever we have right now. It is not going to be a forever deal for us, but it is going to be very important for all of us to keep on fighting to become alternative as well.
Let alone being the standard, we can't even consider ourselves as alternative right now, sure prices of crypto go up all the time and that's fine and dandy but we do not see way too many places accepting bitcoin yet, that's what we need to achieve.