The problem is not having anything "decentralized". The primary reason for this is that there is no such thing as "decentralized". It is a fantasy cooked up by Libertarians and other naifs

All the crypto that's out there now is code. And there's always people who have access to the code to change it. And there are even ways for the non-core teams to fork most of the current crop of crypto: https://www.cs.cornell.edu/~ie53/publications/btcProcFC.pdf

And then there's China, which has nearly 70% of mining and north of 90% of mining rigs and ASIC tech. BTW: crypto is outlawed and even having an account on an exchange is outlawed. Put that 2 and 2 together and you have the ability to completely destabilize the whole project and those invested. See my writing on the subject.

But, please: Inform yourself. If you want to speculate in crypto, at least be aware that you're potentially enabling undermining the western liberal democratic project. You know, "freedom".