There are many business that run their own payment infrastructure, BTCPay is the most popular. It is better for the network if people DONT use centralized providers. We all have the power to use decentralized infrastructure.

Bitcoin works the way it is intended, that is peer to peer payments. Everything else is just ecosystem, which can be replaced. Coinbase is important as an on-ramp for users for now, yes, but their importance to the network is peripheral.