Can someone explain the actual benefits of decentralization to me?

I understand the idea of decentralization in terms of finance. I know it means no central authority with co from over the currency supply. Doesn’t this just leave most of the currency up in the air though? Who will help me when I get scammed, or have my info stollen? I get it if you live in some country run by a dictator or something but here in the US we don’t really have financial insecurity like that. I’m pretty sure US banks can freeze currency but how many of us actually need to worry about that? Don’t you think that the average person is better off without the confusion of crypto and should stick to the stability of fiat? So far this whole movement has seemed like a game of winners and losers. I’m not anti-crypto I just don’t understand the benefit of it for most people who’s money is arguably more secure in the bank. Is the hype around crypto because of the potential gains for early adopters? Is that how any currency works?

Thank you for reading and I appreciate your thoughtful responses! As always, keep it classy and civilized please