I'm a big believer in fungible digital money. But even I must use central exchanges from time to time. Especially when onboarding and offboarding. When introducing new people to the economy.

They have a role. And that is Fiat to digital bridging. Yes they're are alternatives, but they add friction.

Not to mention atomic swaps add friction, take a small commission as well. I'll be at probably less than the central exchange does. But every step adds friction. And makes the economy slower