You don't know if they report to the government or not, it's a matter of trust if you choose to believe them , and on the other hand they will never be decentralized because they will continue to collect fees centrally so they will remain a centralized business, decentralized is only joinmarket and joinstr.

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They will be centralized ;) Yes, the fees will stay but they are necessary for some things not only to make money. Joinmarket is nice but it has a lot of issues.