This is one of the freedom bitcoin gives, you do not have to depend on my body, organization or central authority before you can buy, store and use bitcoin. But people will always remain being people, they like centralization, that is why it is not surprising that people uses centralized exchanges to hold crypto, which gives power to another central authorities. But you are not wrong, bitcoin helps in so many way, just like this that you created the opening post about. Bitcoin makes it possible for not to fall victim of such central authority control over your own money.