Everything will get better if we move to a decentralized mo…

The problem is specialization and economies of scale will always favor centralization, which in turn incentivizes regulation, which leads to regulatory capture, which enhances specialization and economies of scale, which... the system will resist change

Wrong. We are in a paradigm shift across the globe right now. Centralization kills freedom. Decentralization as a whole will makes us rich and free us.

Which part? I don't disagree with most of what you say, although I might argue that centralization unencumbered by the state would make us wealthier due to comparative advantage. Paradox is that it almost surely leads to the death spiral described above.