If a decision(a) needs to be taken and agreed upon/enforced universally, then I am assuming there’s a central authority that does it.

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Do you consider government as a whole to be a central authority?

If we’re talking about representative democracies then yes. They do not allow the people to discuss those matters directly. Ultimately they are decided centrally, with “power checks” that are meant to prevent abuse.

Are you proposing direct representation for taxation?