Centralized systems can offer security measures that are currently impossible or not implemented for decentralized ones.
How about, for example, the daily limit? If a thief steal me my credit card, even under threat I reveal him the code, he would be able to get a little piece of the cake, and I will be able to protect the rest easily... Hw wallet could implement this feature looking at block number, but it is not that easy, and yet no one offer it.
This is only an example of many other mechanism