Those currency units are centralized and created out of thin air with arbitrary metrics. How does the current fiat system pass your test when the entire system was built to fail, evident by a consumer losing nearly 10 percent of their purchasing power within a 12 month span via inflation? Does that sound like a structured system that is not a scam? You're describing a basic loan system that utilizes fiat as the medium when crypto currency could accomplish the same. And knowing that something like Bitcoin can't be created out of thin air to bail out irresponsible lenders, it might give the big banks some pause if they begin issuing loans out to people they know cannot pay them back. See the U.S. 2008 housing crisis.
First, you talk nonsense. Centralization is a concept. It doesn't cause anything. Inflation is caused by imbalance of money and goods and services, while the imbalance is caused by the politicians.
Second, and important: why do you wanna discuss inflation in the topic that describes the bitcoin scam?
Finally, all records are created out of thin air - records on number of shares in corporations, records on number of units in the banking system, and records on number of units in the bitcoin units. But that's not the point. The point is that the shares and units in the first two systems enable people to return their investments from the systems. While latter units don't, which is why people are able to return their investments only from new investors like in all investment scams. Bitcoin system is like a corporation whose only purpose is to issue and store its own shares, presented publicly as something valuable, in order to scam people out of their money.