Is it really over for crypto if Binance exchange or Tether go bankrupt like FTX?
It would be a general shitshow, no questions about it, given the Binance market position and amount of people that are using Tether either for trading or hodling. But no, it wouldn't be over for crypto and certainly not for Bitcoin. It would be the end for thousands of useless shitcoins though and probably more exchanges/platforms that are in some way connected to Binance.
Can crypto survive without the centralise organizations and projects
Sure it can, but centralize exchanges would continue to exist, as before.