people say this on bitcoin at the beginning and some are saying it today.If you check who is saying it is a scam you will see there interest.mass of entries to their sites and earning from it.After two years, none the accusations were true regarding the company.
Decentralization is from governments and central banks.
Bitcoin faces challenges because it is open source and needed changes to adjust.A company can do this.
Last thing- a scam won't attract people like this one:
https://www.onecoin.eu/uploads/media/default/0001/01/7a76e713fcfcae22281da1b94ce69c2485bf594a.pdf
Hope it is an answer for you, and thanks for "onecoin" on his.
But with Bitcoin there is a differencce. BITCOIN CAN BE MINED.
And its not earned through packages for its users.
Please explain what Onecoin is in two sentences