&quot;To really drive this example home, could you please quote me a price on building out a Tier 1 datacenter with gigabit fiber? Because last I checked most people don&#x27;t have that kind of money in their sofa cushion.&quot;<p>&quot;Big boys&quot; do though. And that is my point exactly - if there&#x27;s enough tx volume (driven by consumer adoption first and foremost) to warrant this expense - someone will do it. 
Also, in reality bitcoin isn&#x27;t all that decentralized. Sure, individual nodes on the p2p network are all over the place however the vast majority of them are members of mining pools, with 3 biggest Chinese pools accounting for 30+ % of the total hashrate.<p>So if one of the major card networks steps in and takes over that chunk, as a consumer I&#x27;d be looking at a more reliable system to deal with.