By which measure? There are more than six thousand banks[1] in US, all of which are perfectly capable to create significant amounts of USD currency. My understanding is that even if the number of Bitcoin miners may be higher, it is still much more concentrated to a hand of a few pools.
[1] https://en.wikipedia.org/wiki/Banking_in_the_United_States#A...
Miners do not wield all the power, it is a dance between miners, economic nodes, developers and finally users. If those stakeholders are not on board it is unlikely for changes to occur.
Pools are different from being a single entity. If a thousand miners pooled together to lower their earnings volatility, that is much more decentralized than if one person owned a thousand miners. The individuals can choose to leave the pool or switch at any time. The pool is only a temporary agent.
The transactability of crypto is much more decentralized. In traditional banking you must ask for permission to send your money from one bank to another to eventually reach the intended recipient. In crypto it is peer-to-peer.
The US has a decent amount of banks, other countries like Canada do not, countries like Venezuela centrally destroyed their currency.
Smart contracts are similarly high on the code-is-law spectrum relative to other systems. Day-to-day transactions are near perfectly transparent, predictable and repeatable. Changes require highly visible and discussed EIPs or similar.
As time goes on and lessons are learned they will likely increase in desired qualities, never fully achieving them, always in a state of pursuit.