Yeah, I wanted to say exactly this. There's a different between
specialisation in a market that still provides competition and consumer liquidity, and monopolistic centralisation (even when the monopolist is effectively benign).
It's like there's a middle-ground between everyone building their own automobile, and there being only a single car manufacturer on the planet. So long as have you have a few players who are genuinely competing, and you have the option to switch between them without paying an excessive penalty, then it's a good thing that a certain subset of people are working hard on building better cars than you ever could tinkering away in your garage (although you should still be allowed to do that, if you so desire).
What this requires is for governments to provide a framework of standardisation, access-to-data, data-transferability, and antitrust enforcement that allows a healthy competitive environment to emerge and persist, without either allowing a monopoly (or a cartel) to evolve, or overburdening everyone with regulation.
It's a difficult balancing act, even in more traditional industries, and anyone who presents a too simplistic "more regulation!" or "less regulation!" answer to it isn't being honest. Tech presents additional challenges because it's newer, and because it's evolving rapidly. I think it will take many more decades for the necessary level of technical understanding to metastasise through policy-making and civil administration realms until you get effective control of tech markets, although laws like GDPR are an interesting start.