Not only does this not have to do with Solana (it could happen on a protocol on any chain), it's literally what people sign up for when they use a protocol whic

Not only does this not have to do with Solana (it could happen on a protocol on any chain), it's literally what people sign up for when they use a protocol which is upgradeable via a governance vote. Sensible protocols put upgrades behind a time lock (3 days or 5 days seem to be common). That way anyone who doesn't like the changes can exit the protocol. Solend apparently doesn't have one, which means if you agree to use it, you agree the protocol may change while you're using it (though this should happen after a governance process at least). If you choose to use a protocol that is upgradeable without a timelock, that's your own decision. Also, this supposed "whale" likely has enough Solend tokens to block the vote if they wanted to. Since it's even open to a vote, I'd argue it's still fairly decentralized. A more centralized protocol would have privileged users who can make changes or seize funds without needing to go through a vote. The /r/cryptocurrency subreddit also seems to have an axe to grind with Solana, and people will grind that axe without caring to understand the details of how these things work. I don't use Solana (have maybe $50 of SOL coins, but mainly play on EVM chains), but the frenzied shrieking of crypto shitposters who pile onto FUD bandwagons without doing any due diligence is headache-inducing.