A decentralized web (Web3) relies on a peer-to-peer network built upon a community of users. Every website or application gets distributed across hundreds of nodes located on different devices.
P2P communication and making the contract distributed does not give the currency the advantage of decentralization, but rather who manages those contracts, the cost of double spending, and the number of full nodes.
Thus the criteria mentioned are not sufficient to classify a decentralized currency.
More importantly, true decentralisation is what we have on some of the wallets (non custodial wallets) and as such, having it on a a centralised wallet or exchange sort of revokes that right from the owner to the exchange as they are in charge of your funds or contract which screams centralization but that, is on the contract and not the currency in itself.
I still don't believe decentralisation is the answer to everything in out human affairs as, centralization has got its advantages too to put nations, and organisations in check an in line.