While certain aspects of Energi's security and defense departments are centralized, I certainly wouldn't say that Energi is a centralized crypto currency.
There are over 1500 masternodes and thousands of staking nodes making up the network.
I doubt you will find a crypto currency that is more capable of keeping your funds secure and looking out for the average community member.
If you notice how transactions work on the Energi blockchain, the vast majority will be transmitted within about a minute - the only exception to these are deposits to exchanges, where there is a chance that if something were to go wrong, your funds could potentially be lost forever. For this reason, all deposits to exchanges have a 5000 confirmation requirement (taking approximately 3.5 days). That way, the end user has the time to notice that funds have gone missing, report the theft to Energi's defense department E.B.I. and potentially have those funds frozen and returned to the legal owner.
In fact, just this year, the E.B.I. has returned over US$750,000 of NRG to the rightful owners when it was stolen by a notorious scammer that has plagued the crypto space.