'decentralized' can have different meanings depending on your frame of reference. For me 'decentralized' doesn't mean communism where wealth is evenly spread, it means the governance (I.e.- the code/smart contracts) is transparent and accessible to all.

Now since it's obvious that those who already are rich in fiat can easily accumulate crypto wealth faster than those with less fiat. However, as we have seen with recent ICO's (Civic limiting purchases based on identity, or EOS limiting purchase based on time), the ability for crypto to develop resistance to market manipulations by the few, is evidence that crypto is more 'decentralized' in that it allows other factors (besides wealth) like identity and time to increase distribution and equilibrium.