It's hard for decentralised systems by design to not become centralised by practice, nevertheless crypto is somewhat resistant to processors blocking transfers because of some of its decentralised aspects.

My biggest pessimism around crypto is that if you cut off the convertibility of crypto to national currencies, make part of the punishment for using crypto civil forfeiture, and if you did this with just USD but especially with a few major currencies. I think you do that and you break crypto's back.

I think one of the things we should take away from crypto is that a small cabal of special interests being able to block payments is very bad.