Calling decentralised software centralised because companies built good defaults on top is a fallacy. Email, the web and torrents are definitely success story.

I don't like cryptocurrencies (those who are unbacked and resource hungry, I like the tech behind) but bringing payments in the software world and out of financial gatekeepers could exactly the missing piece of the puzzle to have even more working decentralised apps.

Recognising this doesn't help with criticising capitalism, I guess.