I wasn't suggesting that there are decentralized options for every cloud dependency that is viable today. I am just saying that it is issues like this one which will drive innovation toward solutions that do not require you to put your fate in the hands of some central authority.
Fair enough, payments (credit cards, in particular) is a particularly hard area to decentralize... or at least democratize a bit more.
I'd love for an open payment standard for p2p payments and individual-to-business/institution payments to become available so that individuals could establish their own connection point to a fair payment exchange network.
This will only come with regulation that forces it, though. See India's UPI system, for example.
