I totally agree with the idea of decentralization, which helps it be neutral. However, ordinary people like you and me, we do not have the time nor the money to investigate companies who develop the AI technology. While blockchain has its advantage compared to traditional banking system, it's still susceptible to 51 mining attack. It doesn't matter if you have a decentralization if the majority of the mining system is coming from the same place.
RE: Total transparancy benefits the top of the pyramid and may not actually work as intended (there are costs)