I'm not arguing with you, I'm just seeing it a different way.  every installation of IPFS Desktop is basically a node in that network.  it's not necessary, but it's an example of how it could work.  not everyone needs a fully featured node with all of the bells and whistles.  but for just the simple things like maintaining a contact list, keeping copies of important notes and other stuff, keeping track of transactions and balances, seems simple enough to be operational on a cell phone platform.  and in the early days of the Internet, almost nobody had cell phones.  that took 15 years to fully develop.

I'm just saying, don't count out possibilities.  we don't know where this is going, and the further we can get from centralized services, the better.