> "Every time someone gets swindled out of their "deregulated, decentralized" money ... you have one more voice asking a centralized organization for protection, maybe with some regulation."

Regulation is key, quality decentralized finance can only happen with quality regulation. Ditto for plain old centralized banking. My question is, why we don't have anything of reasonable quality?

That lack is the reason fraudsters can peddle their fraud-coins and bait people with bombastic arguments like "the value of decentralization". Crime is decentralized, does that make it good?

>>(by grr19) everybody in the world have access to the same economy without intermediaries asking for a fee.

There is a fee, quite high in fact, and energy cost.