It seems to me that a lot of the latest bitcoin crash is attributed to MtGox being a centralized place and unable to handle so much trading activity.
The question of centralization has come to bite us multiple times over the last 10 years, as the internet has centralized around AOL, then Facebook, Google etc. Every time there is a single point of failure and various problems can arise from the disconnect in policies of the provider and the customers.
I wrote about this issue 2 years ago, and I believe eventually we will find better decentralized solutions to a lot of the challenges today (social networking, trading, etc.)
http://myownstream.com/blog#2011-05-21
But if BitCoin was a tour de force for decentralization of currency, why haven't we had a prominent decentralized exchange to go along with it?