I agree with both of you (not sure why the one got so many downvotes).
Git is not centralized. GitHub, GitLab, Bitbucket, Gitea, is a centralized server.
These services are more than just git repositories. They’re issue tracking, merge/pull requests, wikis, CI/CD, etc. If the service is lost, the source is still out there but it could be quite the pain to get going again.