The big difference is that you don't need to be certified and so it doesn't exclude anyone from getting into this game. Compare that with banking which is basically impossible to even get started with properly.
The interesting thing here is that it's build on an open protocol rather than on legislation and so this I believe will at least give the opportunity to create all sorts of interesting solutions that are currently impossible to do within the current banking system because technology moves faster than legislation.
So even if we are talking centralization or clustering as I like to call it, we are not talking exclusion.
