So the blockchain I work on uses significantly less energy than PoW which is what you’re referring too - I agree they’re wasteful. POS doesn’t require the compu

So the blockchain I work on uses significantly less energy than PoW which is what you’re referring too - I agree they’re wasteful. POS doesn’t require the computational effort for blocks so doesn’t require more energy than a small server. As to the decentralised question: as someone from the UK sure we have loans but these allow you to get them without a credit check and they’re accepted/paid immediately. Someone in a third world country might not have access to the same financial instruments we get to enjoy.