How is money centralized?
It’s the backing of money that is centralized to justify the value of transactions.
Money doesn’t store any value in its own, but a reflection of the centralized value which is the real transaction value, else all money would have the same value, but it doesn’t, and bitcoin for better or worse, is just money in a digital form, but the transaction value is still the core value of the money gone into it.
It’s not any more difficult to trade gold as it’s to trade dollars or bitcoins over the Internet, but trading commodities doesn’t really matter to the function of money, as money is how the commodities are traded and as long as consumerism is the driving factor, the flaws of consumerism remain, regardless of the form of money.