Do we really need everything to be decentralised?
Nah. I'm pretty content with how everything works nowadays with Bitcoin on my side. My only need is decentralized money, which is what I have right now.
I consider myself to be fairly demanding and well above what an average user of the internet looks like nowadays. If I can be satisfied with how things are right now, I'm sure that the average joe (which usually doesn't care about decentralization at all) is even more satisfied.
Again, a Bitcoin believer through and through, but blockchain isn't the missing piece to every puzzle.
Ripple clearly demonstrates with their database products that you don't need a blockchain to get things done more efficiently. The only reason they label themselves as a blockchain party is to ride the blockchain hype, which is understandable. It's free marketing and investors seem to love raining millions on anything related to this industry.
The wheel has already been invented, it's Bitcoin and the rest of the crypto currencies. There is nothing more to gain here.