makes you a bit worried about the centralized nature of BSC

Yes, it's scary.

Yet, I am counting on Binance's greed factor. 10 M transactions are 10 M fees. Let's assume that the average fee is $0.30

10,000,000 x $0.30 = $3,000,000

3 million daily!

They are well incentivized to keep the chain and do everything to keep it functioning.