Even if that would happen, it's very different from today. Because these centralized verifiers now have an incentive to perform well. 1. I can ALWAYS choose to

Even if that would happen, it's very different from today. Because these centralized verifiers now have an incentive to perform well. 1. I can ALWAYS choose to transact on L1 with others. This option is non-existant in our current system. 2. Because payment provision and customer protection are now split, it means that there can be more competition. You don't need to be a payment provider at the same time. And most importantly: have you ever had to deal with scams and chargebacks? These "verifiers" (paypal, visa) are often utterly useless, with lots of unclear rules. It turns out that many people don't actually WANT this "protection". What people want is an efficient, global payment system with strong authentication methods. And maybe a way to lock their account (which is much easier to realize with DLTs)