Centralization is always a danger when a single entity grows too large, I agree. The philosophy, however, is to make it as easy as possible to set up a mint yourself. Think: for a company, a conference, a festival, a village, a community, a social network, a paid privacy service, ... so many applications. This is the mint side.

The wallet are built with the same principles: You can hold ecash at many different mints and with a click of a button transfer funds from one mint to another. You choose where you want to park your money.

Everything is fully interoperable through a shared consensus layer: Bitcoin Lightning