Centralization is actually a threat to cryptocurrency. I wrote about it a few days back. Being able to bank without a bank is powerful. The #1 Taxi company, Uber, owns zero cabs. The #1 retailers, Amazon and Ali Baba, own zero stores. The #1 hotelier, Air B-n-B, owns zero real estate. We can do this with the banks, but there will most likely be moves to suppress by big actors.