Defi might have the future because crypto currencies misses the lending part that is why defi is trying to take up that spot by eliminating the middleman using smart contracts but its not really a beneficial kind of lending but in future we can't expect the trend exists the same but decentralized fiance is a good thing to have.
lending are already there before the defi came out but defi was optimized on this matter so lenders and borrowers can choose defi more over the old defi service offered by some crypto projects . defi became a trend not only because of its lending purpose also because of the profit that are lying under them . the introduction of defi is great and just in time because of the pandemic where people have problems on financial , those people are going to try defi for the first time .