The point about how “people want centralized systems” reminds me of the initial response to Apple’s privacy strategy. At the time, it was met with skepticism, to say the least. Privacy wasn’t something that normal people obsessed over, and it came at the expense of wonderful features that were only possible through centralized archival of personal information.
Since then, a steady drumbeat of surveillance scandals, security incidents, and technological innovations have turned data retention into more of a liability than an asset.