First, I do not see bitcoin as an experiment of whether we can be able manage our finances ourselves, personally for me, beyond every reasonable doubt have been able to prove to myself that I can actually manage my finances my self, and it doesn't matter if I am a Billionaire, I can manage my assets without any help from a central authority like the banks and so on..

But then, living in the world where bitcoin has not fully gained the much desired adoption, it is still very difficult and almost impossible to manage your asset without the need for central authority at some point, this is because, businesses are yet to start accepting bitcoin payments for good and service, and other important things for day to day living, so personally, I think until businesses naturally start accepting bitcoin and crypto payments without being asked, centralization will still remain an important part of our system and us.