>I've yet to find a "decentralized" app/NFT/database/anything, that doesn't rely on centralized infrastructure like AWS or Piñata.

IPFS. It's basically a decentralized file storage and web hosting service.

Curve DeFI, where you or even AI can get loans.

There is a number of other things. Much of it you kind of need to be in the know to get to it because it is complicated at this time.