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.Exactly and by hardforking the system shows, that it cannot be exploited.
The system of laissez-faire, that you are dreaming of will always be exploited - even if you meet your peers on the street to exchange some coins, what will you do, if they bring a knife to trade with you?