"The "People don't understand" is a condescending statement and is exactly the reason why the people who try to build these decentralized systems never succeed, because they don't even understand why people use information silos."
I've talked to at least hundreds, maybe a thousand, people (not techies) about these issues over past 10 years. Most don't understand the scope of the problem in terms of the tradeoff they're making. Many also think main suppliers couldn't, wouldn't, etc do sinister things X, Y, and Z because something would happen. Many think problems X, Y, and Z are inevitable since all the famous apps allow them for extra profit or growth. Vast majority don't know much about computers, privacy law, or U.S. history of surveillance states (eg Hoover) because they don't put time into learning. They will shout about minor things that are similar on TV they understand with little thought.
So, it's not condescending. It's a fact that "people don't understand," are apathetic, or terrible at long-term risk/reward tradeoffs. There's shitloads of empirical evidence confirming it in terms of what they adopt in the market vs what problems it causes them. And what crap they adopt next time. We definitely should put the share of blame on them that they earn.
"It is these "decentralized" people who are out of touch, not the ordinary people."
A lot of them are, too, in fairness. They come up with all kinds of crazy, unrealistic solutions that ignore human nature, economics, etc. Best models are going to be hybrids.