And you are still relying on centralized third parties such as Visa and Mastercard (not to mention the crypto exchange that issued the card) to continue doing b

And you are still relying on centralized third parties such as Visa and Mastercard (not to mention the crypto exchange that issued the card) to continue doing business with you, so I would argue the situation hasn't improved in reality. What makes you think your centralized crypto exchange would be any better in handling your "money" than your bank is? Why can't they freeze your money to respond to a fraud claim or government order just like a regular bank?