Adding a fiat on/off ramp doesn't make a coin centralized. As for privacy, that's okay too. Once you send Monero to your own wallet, Coinbase has no idea what

Adding a fiat on/off ramp doesn't make a coin centralized. As for privacy, that's okay too. Once you send Monero to your own wallet, Coinbase has no idea what you do with it afterwards, just like withdrawing cash from a bank.