My lemmy “philosophy” is that generic centralization should be discouraged. I prefer more “category-like” centralization. This is not just to support my preferred usage pattern (browse and participate “local” on multiple instances), but to ensure that lemmy doesn’t evolve toward major centralized instances that end up just being just another clone of the various commercial platforms.
Centralization means less diversity in rules, less diversity in enforcement, and higher instance costs. I think the loss of diversity is just a bad idea, because it leaves less room for widespread experimentation. Higher instance costs could be a problem if instance owners find themselves needing to monetize the instance in order to remain solvent. The outcome is a generally less resilient system.