The success of bitcoin is due to descentralization, but we keep using centralized exchanges to buy and sell.
By doing so, we face the same problems as with regular banks: regulators control, arbitrary restrictions (withdrawal limits), finantial risk (imagine a bank run or a bad management), technical risk (downtime or even the site or your account being hacked) and political risk (special taxes on cryptos, or even traffic to sites being restricted).
The descentralized exchanges like BISQ don't keep any funds or coins and you can use a pletora of paying options (including wire, Revolut or cash).
The problem is that their market is not very liquid, but this is because we are using centralized exchanges.
If we don't believe in descentralization, who will?