"if it were to have the network effect like bitcoin..."

Any sharp increase in use would effect Bitcoin the same way in centralization. If Bitcoin took on 10x-100x txs right now it would also become near unusable in confirmation times and transaction fees (Not so for Monero). Hypotheticals are fun, but let's stick to reality. Monero's full blockchain size is 1/3rd the size of Bitcoin (easier to run a node) and it's blocksize is only 0.3MB and cannot grow beyond this without sufficient and sustained demand.

This is not some inevitability either. Gradual enough adoption and consumer tech advances over time mean none of what you say will happen.