Earlier quoted context omitted.
mind explaining how Matrix is not decentralized?
As I understand it, the consensus is to call multi-server systems "federated" and peer-to-peer systems "decentralized". See https://en.wikipedia.org/wiki/Decentralized_computing for references.
E.g. it states: "A collection of decentralized computers systems are components of a larger computer network, held together by local stations of equal importance and capability. These systems are capable of running independently of each other." This is true for Matrix with Homeservers being the decentralized computers and the network of the same being the larger computer network.