I&#x27;ve been using central ledger currency systems (i.e. logging into my bank&#x27;s website and issuing payments) for longer than Bitcoin has existed.  Decentralization is the entire point of Bitcoin.  Take that away and you aren&#x27;t left with anything that wasn&#x27;t already done long ago.  What you&#x27;re proposing is something that banks have already been doing widely for decades.