We mightn't like it because it's centralized but centralized exchanges has being the most convenient way for me to trade my cryptocurrency to faits. I haven't use debit cards therefore I can't give an honest opinion on them but I have use decentralized P2P and I was almost scammed therefore I prefer to use centralized exchanges or their p2p were all the individuals on the exchange would had gone through verification therefore they won't want to scam or they'll get their account banned.

Centralized exchanges has P2P but selling to them directly is more faster and safer. Their P2P can also be slow sometimes as the individual selling or buying on the exchange wouldn't be fast to respond to your order. The rate on the exchange is slightly better than those on the P2P because some individual will want to manipulated the price by bringing it down so they can make more profits when they sell to you.