The current centralization is what keeps it "stable". This stability makes the currency lose it's value in a very gradual way. Only housing, property, education

The current centralization is what keeps it "stable". This stability makes the currency lose it's value in a very gradual way. Only housing, property, education, and healthcare are gaining value at a outlier rate. Decentralization will incentivize hoarding. Why spend crypto when it might go to the moon tomorrow. Maybe that is a feature, maybe not. I don't judge.