I think you should consider holding some Neo as a long-term investment, because it has a lot of potential. The Neo team has tried to work with the Chinese government as it has developed its platform. While the Chinese government has been taking an anti-crypto stance in recent months, its history has been that when it allows businesses in China, it tends to favor Chinese companies whenever possible. I think blockchain technology is here to stay and it's hard to imagine the Chinese missing out on all its benefits. If China eventually greenlights the use of the technology in China and gives a license to Neo to operate exclusively in China, Neo's market cap could rival or exceed Ethereum's.
RE: NEO is centralized