There is no truth in this, and I would challenge you to find any credible links to support anything which is claimed in it. In 5 mins In destroyed its entire premise. If I took 10 it would really look bad.
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It's centralized, it defeats the purpose of being a cryptocurrency. Might as well just have a digital USD that is controlled by the banks and government. People who are into cryptos mainly want to kill the current financial system and replace it with the utopia of no banks.
Once again please explain how it is centralized. Just because you yell and scream it is centralized that does not make it so.