A high level of decentralisation is usually not needed, especially given the cost that comes with achieving it.
PayPal and the likes function quite well for most people. Point is there can hardly ever be a decentralised payment system that is more efficient than a centralised one.
The marketcap of NANO currently sits at $107.314.552 , which is roughly 10% of the marketcap of PayPal.
Is a largely untested payment gateway worth that much?
The marketcap of the coins exceed the value of the company by lenghts.
PayPal pays shareholders dividends, NANO holders are in for quite a drop in my estimate.
Not saying NANO might not become a major player, but at the current stage they are highly overvalued.