You didn't try hard. Blockchain is clearly different from a centralized database. 1) Noone can arbitrarily change the contents of the blockchain, the concensus

You didn't try hard. Blockchain is clearly different from a centralized database. 1) Noone can arbitrarily change the contents of the blockchain, the concensus is needed to even append to it. 2) Blockchain solves the Byzantine generals problem. 3) Blockchain doesn't have one central authority (only the code that governs it, but the code must be first accepted by the participants). So if you build a payment system on top of a blockchain, there's no single entity that can freeze or seize your money.