Is it really over for crypto if Binance exchange or Tether go bankrupt like FTX?
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.
You are right that shitcoins will disappear if that happen because some are in binance with no impressive volume. It is good already that binance started to delist some of the shitcoins.
Can crypto survive without the centralise organizations and projects
Sure it can, but centralize exchanges would continue to exist, as before.
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The crash that happen in FTZ will not stop centralized exchanges. They will exist as more people ready to hodl in exchange