Infrastructure can often be termed as critical. But should critical infrastructure like Payment infrasturcture be decentralized? Or, is it more important to ask, What infrastructure critcally needs to be decentralized?

Infrastructure can often be termed as critical. But should critical infrastructure like Payment infrasturcture be decentralized? Or, is it more important to ask, What infrastructure critcally needs to be decentralized?
Digital identity can be used for a lot of aspects of digital life, including authentication. Sadly however, solutions that are purely authentication – are claiming to be digital identity just because they utilise claims within a credential.