An adhoc thought gleaned over years online on both sides, as from a users view only.

Centralized often put out software using their name and the masses to perform BETA testing, correcting errors on the run. Charging people fundamentally for upfront payment before product is fully developed.

Decentralized a group knowing their hours of coding and passion may become fruitful, prefer to offer a more polished platform/product, then rely on each other to problem solve, or ask people to volunteer time to test software at no charge.