RE: Is Steem Centrally Controlled?
I think Ned's point isn't that he fears that the money could be taken from his account, but that it could happen.
So, he's doing the safe things. Not because he suspects anyone, but because as they say, high fences make for good neighbours - if he has nothing to worry about, then there'll be no cause for distrust.
And while you say you don't believe in these things, that's contingent, on you being a witness, etc. The fact of the matter is, these things are possible. So securing against them is prudent, not "disrespectful."
This is one I have to side with @ned on.
Also, you didn't actually address the question at the title. That's clickbait-title bordering. The answer, for those who wonder, is that yes, Steemit is centrally controlled.