Against decentralization? Not sure why; you choose to use specific relays already, right. If pay is cheap and low friction, don't see a problem there.

(Re: Utxo ownership, it can be snapshot based and size,age filtered. It protects against bursty traffic (so imo rate limiting is the only thing it works well for!) but such tokens can be created in large numbers at low cost so in many use cases they don't fit very well even though they are very private. Hence e.g. ecash paid with an ln deposit.)