I don't think it will take 20 years. I think things will move a lot quicker than that. And I also think that there are enough ideas, concepts, and cryptos that you can offer decentralized, centralized, and possibly a hybrid for each user based on their wants and needs. Each coin/token represents a different community and with that community a different thought/belief ideology. Obviously each would have their own unique advantages and disadvantages, without any one coin holding all of those aspects.
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There is undoubtedly a spectrum, and the question is where on that spectrum is the Goldilock level - the perfect balance of decentralization and centralization for a given application. As noted in the article, one concern is that the use case of money is best suited for TOTAL decentralization, yet most people AREN'T suited for the realities of that.
Adoption in Korea is quite a bit higher than here in the States