Also, the assumption you're making is BTC is the one and only. There now are a series of cryptos that you can choose from. So you are never reliant on one crypto. There is massive development of other tokens that allow you to use it as collateral for any crypto.

The US dollar is the monopoly. So along with other choices, it is decentralized in tha aspect as well. But I do agree, there will be attempts to make it one, like BTC. This is where we need to be aware of the control structure of centralization.

Intrinsic value items like Gold/silver are great, but also have massive limitations on the modern world of commerce we live in. There needs to be a good flow of money...