Sorry, but what you're saying makes little sense to me. Lists, of themselves, are neither centralized nor decentralized (and neither are categories). And categorization is pretty fundamental to knowledge representation and reasoning.

Is it important to protect users from accidentally sending funds to phishing accounts? Yes, it's very important. Even now, people continue to lose money because exchange wallets don't typically give these kinds of warnings. But at least the main frontends do now (well, a couple don't yet, but will soon I think).