Skype was originally (before being bought by Microsoft) very decentralized (though the software was heavily obfuscated, so that "decentralized" did not mean "user has much control"). This saved the company the money to build an expensive infrastructure.

So for me the answer is not obvious, whether there is more money to be made on the concept of centralization or decentralization. So I think the problem is rather in terms of "amount of user control" instead of centralization or decentralization.