and more people are P2P than any other process
Since when?
It would be a beautiful World if this was the case. But the numbers speak very loudly and contradict you. People still prefer Centralized Exchanges over Peer to Peer Trading.
This data is from this [ur=https://www.forbes.com/advisor/money-transfer/peer-to-peer-fraud-statistics-in-year/l]article[/url] which already the headline is saying that many still believe p2p to be a scam and not safe. This explains how a lot of people still feel unsafe with p2p and prefers centralized institutions.
Even with sense lacking restrictions, there are still more people who would kneel for a dime than the ones who would never kneel.
These people will complain about extra restrictions but will continue to use these centralized banks