These are all centralized companies - if they go out of business what happens to your money? What if the company decides to print more of this money for itself?

These are all centralized companies - if they go out of business what happens to your money? What if the company decides to print more of this money for itself? Napster went out of business becasue the government shut it down. Bittorrent is still going strong. Bitcoin is p2p like bittorent. There is no central point of failure.