Well, you're oversimplifying a lot.
Not sure if you read the "allowed to look decentralized and secure" part.
99.99% of stablecoin users can buy, hold and send p2p without having asked for permission (at least explicitly).
The whole point is to make it seamless, otherwise, you'd create Martyrs.
https://controlplanecapital.com/p/is-bitcoin-decentralized-and-secure
