@[email protected] the natural state of the web and other technologies is federated. Think DNS, Web, Mobile, Email and now social media.
Monetisation is not a dirty word because creators, developers, admins etc need to keep the servers on and the apps developing but profit maximisation above all else just for shareholders is not the goal of the fediverse.
Money is another industry that needs federation. e.g bitcoin micropayments called SATs sent P2P over the lightning network is the future.
@[email protected] @[email protected] the ledger is decentralised. The wallet payments are peer to peer. The wallet providers are centralised bu there are many.