Holders are important. What if team holds largest bag and dump it on investors and run away?
Defi is the actual concept of crypto. My money, my wish. We only have decentralization for money issuing and security cause we used centralized exchanges for trading. Now we have dex and now we have full control over our property. Defi, the trustless financial ecosystem is the ultimate necessity of current world
Although DeFi has been considered as a new trend in the market, still overall investors in the space were lesser than previous ICO craze. Further, I agree with your thought of having trustless financial ecosystem, with established protocols and consensus in the space; it will be a new revolution in our current monetary system. However, Defi hasn`t yet make the best of its best right now, so technically, adoption is observably low. And this will be manifested on DeFi`s current market capitalization.
On the other hand, Ethereum has accelerated in riding the tide of Defi craze along with its upcoming ETH 2.0 version launching. As ETH is imitating the nature of traditional financial system, DeFi will exactly become the next option of an acceptable protocols as solution for current economic and financial problem.