You mean like Paypal etc and how they can just ban you and take your money? + Many countries can't access to "centralised version" by default. Imagine internet being country restricted and centralized so they can just choose which country/people can access it. That would be horrible

I don’t know if a centralized payment service that’s usable for that and trustworthy, do you? Most of the services that I know of charge a fixed fee that’s ~7x higher than that, in addition to ~3%.

Crypto boosters need to transactionalize absolutely everything and anything because every transaction, by design, incurs a tax to the miner/validator/magic oracle machine owner. Since you become that person by buying lots of physical hardware with real money, or buying lots of <token> with real money, it by design is someone who already has a lot.

Crypto is people who see the tax that credit card networks are on all transactions, but their problem with it isn't that it's wealth redistribution from those with bad credit to those with good credit, but rather that they aren't the ones collecting the tax.