We do already have a centrally planned economy, yes. We are all surveilled in some way or another, but even so, you cannot accurately predict what is going on inside a person's head. Even if you have all of their search history, data, etc - the human mind is random and surprising in its choices day-to-day.

We know the difference between a centrally planned economy and a decentralized one by verifying:

Bitcoin is verifiably decentralized - anyone can broadcast a transaction to the public ledger without anyone else's permission, and anyone can look up and see where all the money is going.

Fiat is verifiably centralized - it is printed digitally and physically in one place by one group of people in each country. Its exact location is obfuscated and the system is opaque by design.