The only question is whether centralized entities such as PayPal are the winners or do we see decentralized options emerging as the standards.
I think centralized entities will be very successful, but only in the short term. Centralization inevitably leads to hacks, rug pulls, etc., so over time it will become obvious which networks are truly decentralized antifragile networks - the ones that have been around the longest without a major failure / the ones still standing.
Centralized networks will appear and disappear, come and go. Decentralized ones that offer utility or cost savings and give some advantage to the people building businesses or other organizations on them will thrive.
At the same time, real understanding of the need for decentralization will increase as more people get first hand experience with attacks similar to what we experienced a few years ago when Hive forked from the old chain.
A solid way of looking at things. This could be how things unfold. Centralized entities have a lot of users to tap into. That almost ensures success to start.