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2030: Mom, Why Is Our Family Rich? Because Your Dad Never Gave Up On Crypto
True, if you can't afford a car, don't buy one
The issue is not centralization, the issue is larping. If you larp as a DEX but are completely centralized you have extreme negative convexity to attacks. Because once the attack is big enough you WILL act to revert it.
Can't afford a car? Then you can't afford one