Decentralization is not overrated, just misunderstood. The primary concern should be whether a central entity can change the agreed-upon communication protocol

Decentralization is not overrated, just misunderstood. The primary concern should be whether a central entity can change the agreed-upon communication protocol at will (i.e. arbitrarily change the "rules" of the money) With Bitcoin, such a change is very difficult. With stellar, it is easy for the central Corp to change the rules at it's whim.