I wonder if, in some ways, this might also lead to more centralization. If your answer to "control == liability" is decentralized protocols, the answer is obvio

I wonder if, in some ways, this might also lead to more centralization. If your answer to "control == liability" is decentralized protocols, the answer is obviously no. But if these protocols either don't exist for your use case, or are not practical, I could also see these efforts leading to things being centralized in the hands of a few large providers who take some of the control and are better positioned to shelter the associated liability. We already see this with hosting on cloud services, or external auth providers and the like — for small players, it is very unlikely that they're better at e.g. security or availability than google, aws, et al. The downside is obviously that this clusters a lot of the risk and when something does go wrong, it takes many more people down in its wake.