Yes, you are right, of course. I am actually quite nervous about this in relation to the Fediverse. I posted to SocialHub a great article pointing out these dangers, and prior pitfalls that these initiatives have steadily fallen into. See: Are we ready for the threats to the Fediverse and decentralization movement?
See also Spritely Project: The Super Exciting Future Of Fediverse. One of the sub projects, Hyptis, will provide Distributed Finance capabilities. While this is very nice and targeted to small-scale application, it will enable commercialization of the Fediverse in one way or other. And this can speed up adverse developments that we are not able to handle.
These things need our full attention!