Do not get confused, there are two types of p2p: centralized and decentralized.
Technically speaking a peer to peer network is a network without a need for "central coordination by servers or stable hosts", in simple terms there is no server/website that peer to connect to. They directly connect to each other. So a centralized P2P can not even exist.
https://en.wikipedia.org/wiki/Peer-to-peerSo true
But centralised platform have a part to take in every P2P transactions as the middle man that fight for your money if any goes wrong.
On Binance p2p service someone I was paired with claimed they'd made the payment but I got nothing for 24hrs and I was forced to use the appeal button, later I got my money but that's because of the exchange intervention.