You are exposing the logic of a thieves´ mind here. By punishing victims and encouraging fraud we will get a better system? really?
And again, your usage of the word centralized is completely stupid. In that regard everything would be centralized. Maybe you have been exposed to to many buzzword feeds.
Centralization to me means the conglomeration of power into a single entity or geographic location.
In my opinion this applies to how trading in Vericoin was centered around Mintpal.
Hence centralization and a single point of failure.
The alternative being decentralization. The epitome of which: peer to peer trading and no middlemen or exchanges.
Thieves will always exploit exploitable systems.
If you protect exploitable systems you protect the thieves.