You seem to be human from your comment history. Are you being pedantic about your definition of databases, or do you legitimately think DB's are necessary for storing decentralized personal information? I'm not considering a filesystem a DB, for instance.
If you are trying to pigeonhole the definition of a database in a way that is going to prompt me to agree with you, you will be disappointed to learn that yes, I am a human.
I'm trying to figure out if our predictions differ because of the confusion of language and definitions, or if it's because there's something you're seeing which I am not. But also, I do like winning debates if done fairly.