That has nothing to do with centralization, and everything to do with the fact that it's hard to run a website with 0 computer skills, which crypto doesn't improve on in any way.

Crypto today is dominated by a few central players (wallets, trading) with strict access requirements, including unambiguous government-issued ID. Even mining is dominated by people with much more capital than you have access to, so that it is never worth it to run a miner as a private individual. Everything "web3" has been co-opted by corporatized interests trying to invent fresh new ways to get in on the scam before regulators make it unprofitable.

Access is difficult for private individuals for more reasons than just "technology is complicated".