And the carrot-stick guy is the exchanges, and we ain't got nothing to incentivise these people not to use those exchanges.
There is really no incentive to use use centralized exchanges.
Yes, it's probably easier to use them and there is much bigger volume that is probably automated or fake.
You can't get better incentive than knowing your coins are not sent to some third party man who will track your every step and scan your every move and transaction.
Honestly, if throughout multiple years of using centralized exchanges, only once you get an account frozen or closed, once you get coins blacklisted, once your exchange exit scams you, or even if you want to withdraw your funds when you buy Bitcoin - a decentralized exchange will actually be cheaper.
We don't know how the future of decentralized exchanges will look like, but it's totally possible to create some revenue sharing that would create profit for everyone who participate in that dex.
Using something like Lightning or other second layer solution, with improved privacy would be big advantage for me, and you don't have to worry about angry employee stealing your data because he got sacked from with work.