That's not centralization. It's more doors going to the same place and more chances of vulnerability. You also have risks due to trust as you don't know could potentially be a bad actor hoping you'll input keys.
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All we can do is rely on the fully open source options so they can be 100% publically validated as non-invasive and non-data-retentive.
That's a whole lot of work for most people considering thousands are getting scammed by bad actors in the sector every day