Your endpoint might be popular and heavy used or you could be self hosting and be the only person using your endpoint. It's decentralized and works for the average person
Mastodon is part of a federated network. Most people who use Mastodon belong to a large server rather than hosting your own, but you can be part of that network without being part of mastodon.xyz. You can join mastodon.social, or any number of those mastodon servers, or host your own. The same is currently true for email.
I would also say that phones are a bad example because while the phone companies are decentralized, the call routing systems have written law behind them to ensure ATT and Verizon actually route calls to each other (and all other companies like CLEC/ILECs).