DeFi is a nice idea but when it operates on a centralized chain, with centralized apps, using centralized collateral it is kind of a joke. Besides that the complexity involved with some of the defi stuff is absurd. The only way a normie would be able to use it would be through a fund manager. I was reading about an exploit in one defi protocol and they are like no problem just move to this and then swap to that and get liquidity from this and then enter that smart contract and you will be fine. And I was just thinking, you guys are completely nuts if you think regular Joe who works his ass off and just wants to put some money away for his kids college and his retirement is going to ever use this shit.