I hate to say it, but I'm glad my bank doesn't suddenly charge me €50 when I pay at the supermarket.
That's because centralized solutions are more predictable and scalable by definition.
This whole discussion reminds me of BitTorrent vs Rapidshare (do you remember it?) debates back in 2008-2009.
Many people were not happy about torrents having slow speeds due to lack of seeders, so they migrated to Rapidshare for guaranteed high download speeds.
The thing is, Rapidshare doesn't exist anymore, it got shut down.
Asking for predictability (guaranteed low fees/high download speed) from a p2p network won't get you anywhere.
p2p is inherently unpredictable by nature, since nobody controls the network to offer some sort of "guarantee".