I literally work in decentralized finance, and so do now 20,000+ developers. Many of my financial transactions already happen in DeFi, and it's only a 2 year old industry.
Being confidently ignorant doesn't make you correct, it just makes you miss out on the future.
There aren't any. "Decentralized" is just an in-group smurf word with no legitimate technical meaning, and which is not in any way a meaningful goal.
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> It's only a matter of time before decentralized rails become the primary form of wealth transfer on the internet
We're 14 years in and it hasn't gotten anywhere close
You keep holding your breath, though. (You'll have to, with all the pollution being created.)
Note: "wealth transfer" is just a fancy way to say "online casino."