How can you justify a statement like that? Anyone can control their transactions if they want as was just explained to you. If anything it is decentralization with extra steps.
In this context not at all. No one controls who you give physical cash to. If someone promises you magic beans in a bar and you give them $1000, no one stops you, just as when you control a balance, nothing stops you from sending it to any address you want. I'm not actually sure what part of this is not clear.
