- Speed, Visa can (and does) process more TPS than any decentralized system - Simplicity, centralized system are simple to manage and well understood - Cheaper,

- Speed, Visa can (and does) process more TPS than any decentralized system - Simplicity, centralized system are simple to manage and well understood - Cheaper, owning a centralized db is a lot cheaper than paying gas/fees on decentralized platforms. - More human, forget your password? made an error? it's reversible. - Reputation, centralized systems have built up reputation for being trustworthy and reliable for consumers (ex. the fed), the scandals that plague ICOs/exchanges and volatility are obviously bad. There's plenty of theoretical arguments to be made against the above points, but in practice today, I think they're valid.