Taler is not centralised. I think you are thinking of CBDC?
Taler could be described as semi-centralized at best. You are free to chose your exchange and you can easily use multiple the same time. It really isn't that different to crypto-currencies in that regard if you consider the need of fiat exchanges for real world use there as well.
That's not quite how Taler works. Yes, the exchange will know when you generate Taker tokens from fiat, but that is similar to going to an ATM and getting cash. Afterwards the exchange has no means to track what you spend the tokens on.
I should note, there are cryptocurrencies that also don't use proof of work. Ethereum, the second-largest, switched away from proof of work two and a half years ago.
I'm not trolling, but you do post 15-20 times per day, your basically an engagement bot. Your comment here has nothing to do with the subject of the post, as an example, its just a meta comment on identifying your behavior.
We have talked about taler before, and the discussion gets heated, so its good engagement bait.
So yes, your headline post title is a headline, and the headline rule of thumb applies.