That's true. However: These businesses are not monopolies. I for example do not use neither Binance nor Coinbase and it's absolutely no issue (I'm however not in the US). Consumers themselves have to be a bit wary about the services they use, and which services they offer.

The problem is that some services, like the centralized "staking" I mentioned, have become so common, and even "diehard" Bitcoiners have partly fell in love with them, because they can give them some easy profits. But even a superficial glimpse on them shows that centralized staking is 100% a product which would need an authorization as a bank in most countries (not only the US).

And until now nothing is lost - those wanting to exit these exchanges can still do it. Yes, that can lead to a problematic "bank run" with frozen withdrawals and bankrupt exchanges. But MtGox has shown us in 2014 that it's never a good idea to leave lots of funds on exchanges (Yep, and I know of the problem that professional traders need funds on exchanges. That's their inherent business risk, that's why they can make profit). The best thing would actually be people withdrawing slowly to other platforms, diversificating the market.

I don't think all centralized exchanges will come under attack from SEC. There are still some that do not offer products like staking, and they can limit altcoin tradings to non-security coins. Or close the door definitively for US customers. We sometimes forget that the US has only 3 or 4% of the world's inhabitants

This is pure speculation from your side. I don't say it's impossible, but current action is not going in that direction.