Yes, its Centralised - Ethereum and Metamask alike.
Yes you do own your keys 🔑, and thats your saving grace.
According to Crypto Coffee, Metamask is employing some questionable tactics, and edging towards KYC and the usual Data Harvesting we have come to associate with the unconstitutional FIAT Banking cartel.
Crypto Coffee went on to suggest that JP Morgan has a heavy influence on the project.
Enter the Rabby Wallet. A fully opensourced and Slowmist audited, puts security at the front of the queue.
Along with some game changing user features, such as tracking down your missing crypto.
Link on YT (Not Sponsored)
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