Yes but it isnโt fully centralised. CBDC is full centralisation and control.
Discussion
Money is absolutely fully centralized. Politicians are shaping it however they want and they control it however they want. They only wrapped it in many layers faking some kind of decentralization, but all we have to do is look at what is going on in the world and that's pretty much all info we need on state of decentralization of current system.
If money is decentralized i am decentralized too. My left hand and my right hand are not the same.