"...a system which has no servers and where every single user is somehow equal in terms of their ability to run their own currency networks..."
This is developing. It become easier and less expensive every year for ordinary computers to run Hive nodes, because of both the improving code and Moore's law and improvements in hardware. When a currency is designed for each user to have a node, then the decentralized network you speak of will arise.
I too anticipate that day coming, and not too far off now.
Thanks!