The elegance of crypto is that despite requiring layers of centralized interfaces and integrations for real-world use, it still offers a genuine freedom of choice. Users can opt in to the virtues of self custody and decentralized P2P payments just like physical cash, without sacrificing mainstream utility. To this end, open-source networks are still incredibly valuable, even if centralized features are needed to interact with them.
Source: https://www.coindesk.com/layer2/paymentsweek/2022/04/26/the-future-of-crypto-payments-will-be-centralized/?utm_medium=referral&utm_source=rss&utm_campaign=headlines