I don't know where you got the idea that I think the world can be totally centralized or decentralized, honestly.
The bank analogy was about how there are upsides and downsides to everything, and the society is not as stupid as to have no clue what's going on. For things like this the world follows the collective intelligence.
Even the people who have no idea how a bank works still use bank with no problem because of the collective knowledge. We know that a bank is safe enough and provides more upsides than downsides.
But this is not always the case. In countries where people have low confidence in their government, even the "ignorant people" who have no idea how Bitcoin works learn about the benefits and move away to it. This is not a result of some intellects trying to convince the "uninformed" how the world should work. It's a result of the collective intelligence recognizing how the pendulum has swung and now there's more downsides than upsides.
The bank analogy was about how there are upsides and downsides to everything, and the society is not as stupid as to have no clue what's going on. For things like this the world follows the collective intelligence.
Even the people who have no idea how a bank works still use bank with no problem because of the collective knowledge. We know that a bank is safe enough and provides more upsides than downsides.
But this is not always the case. In countries where people have low confidence in their government, even the "ignorant people" who have no idea how Bitcoin works learn about the benefits and move away to it. This is not a result of some intellects trying to convince the "uninformed" how the world should work. It's a result of the collective intelligence recognizing how the pendulum has swung and now there's more downsides than upsides.