Here's the core of the problem and also why most of crypto / blockchain technology will go down the drain soon:
Decentralization isn't a business model. The opposite is.
That's it. How you get to any competitive edge in a market is: 1) Be better than your competitors in a field. 2) Own that field and displace everyone else. 3) Extract value.
The Crypto hype happened because a super elegant technical solution (-> Blockchain) that nobody really understands was (and IMHO still is) waiting for a problem met a visionary hippie fantasy of a world of inefficient, evil companies that somehow will be made better by some form of decentralization.
The problem is: There wasn't ever an inefficiency and none of those "huge" competitors has any incentive to leave their market share to someone else. So exactly nothing will happen.
Crypto is nothing more than modern white knight fantasy - in reality all the purpopoted benefits of a blockchain are serious shortcomings. Do you really want a payment that can't be rolled back by a centralized authority because you were defrauded or someone hacked your account? Do you want any kind of accounts for a whole tech-afraid populace that they can't access anymore once they've lost their key?
Most people haven't realized that the current centralization and trust in some large companies and institutions is actually a pretty deep local optimum that will be incredibly hard to displace with something better.