I am not sure why you are comparing a centralised chip with a decentralised and non-custodial secure chip.
You have no clue what you are talking about do you? 
What the heck is decentralised non-custodial secure chip?
That exist only in your dreams
Both are different; credit card chips won't be open source because they are centralized. When you get a credit card, you already trust them. But for a hardware wallet, this isn't a fact.
Open Source doesn't mean that something is centralized or decentralized.
You are mixing apples and cucumbers, so you better stop here my friend... this is getting really hilarious...