With decentralised systems you are forced to run all computation and store all data yourself. The average user isn't going to buy their own server and run it 24/7. That's incredibly wasteful. Even in the best case scenario they will just get an "urbit server" from AWS or somewhere else.
The problem with centralised services isn't that they are centralised. The problem is that you are locked-in to a specific provider. You can't send messages to your facebook friends from your freedom respecting gnu social server or whatever. You have to install a dozen apps (facebook, whatsapp, telegram, etc) to talk with all your friends.