Great point!! Bitcoin can be used both ways. Problem: most of the solutions provided by the market are third party because they benefit the provider and not the user. The profit generating solutions require an additional revenue stream and that requires a third party in the transaction. Can businesses provide solutions that don't centralize the transaction?
I think we can. Everyone needs their own node. That was Satoshi's vision. Each transaction from a privately held node. No node, no peer-to-peer.
There are two things that have to happen for a transaction to be p2p. First, each participant must have their own node and second, each participant must self custody their bitcoin.
If people want a new form of money that transcends the fiat currencies we have now, the only option available is Bitcoin used the way Satoshi intended. Otherwise we have fiat banking 2.0.
This concept is what gives Bitcoin it's value. Without the potential to be a revolutionary money we are just using electricity to generate encryption codes. Sounds like a waste of energy don't you think? But if that energy is used to create value stored in a new form of money then you have something.
https://webtc.io