Depends what you mean by centralize / what aspects are centralized.
Consider in one case, there are 12 currencies in use which are issued according to the choices of 12 authorities, while in the other case, there is one currency in use which is issued at a fixed schedule. In the latter case, there is a single system instead of 12, but there are no central authorities who can continually choose how much to issue.
Similarly, consider 8 payment processors who are each run by companies which have authorities, who decide what rules they establish for what kinds of transactions they allow, contrasted with one payment processor which has no authorities who can forbid (as part of the payment processing) transactions.
You might call “Everyone speaking lojban” “centralized” because it is of the form “for all x, f(x)=y_0 “ , but the hypothetical of “everyone speaks lojban” doesn’t involve a central authority.
Worth noting that the only thing centralized here is identity. Once everyone in the world has a trustworthy unique identifier, any number of currencies and services can make us it.
The rub is: what to do about newly born humans, and about death? Worldcoin is far from solving that problem, and probably won't even if they succeed, since by then numerous actors (including governments) will have gotten involved.
Consider in one case, there are 12 currencies in use which are issued according to the choices of 12 authorities, while in the other case, there is one currency in use which is issued at a fixed schedule. In the latter case, there is a single system instead of 12, but there are no central authorities who can continually choose how much to issue.
Similarly, consider 8 payment processors who are each run by companies which have authorities, who decide what rules they establish for what kinds of transactions they allow, contrasted with one payment processor which has no authorities who can forbid (as part of the payment processing) transactions.
You might call “Everyone speaking lojban” “centralized” because it is of the form “for all x, f(x)=y_0 “ , but the hypothetical of “everyone speaks lojban” doesn’t involve a central authority.