The only "personal" production of energy is from solar panels. Which still comes with its own problems, as you generally still want to be connected to a grid, in which case utility companies generally attach a lot of strings.

Solar will seem to be less centralized but in reality and over the long term we will have huge solar farms owned by big companies, for the same reason we generally have huge actual farms owned by big companies. And what difference does it really make for the regular user if they get their power from 40 nuclear plants or from 200 solar farms?

Wind is super centralized, big companies are building wind farms and big companies are operating them. You need a ton of capital for wind farms.