The "De-Fi" hype will continue for quite some time until something new takes the crypto world by storm. Just as the ICO hype ended some time ago, the same will happen with "De-Fi". Only time will tell us which technologies and ideas will stay, and which will fall apart. If "De-Fi" delivers as promised without disruptions, it'll be able to last a lifetime. Personally, I'm not worried about "De-Fi" interest rates declining as long as the protocol works as intended. This is the normal behavior of "De-Fi" since it's backed by algorithms and crypto assets in the Blockchain space. The more borrowers there are, the higher the interest rates will be. But if most people are lending their tokens for profit, then interest rates will decline. What matters is not how much profit you'll make in the long run, but rather how useful "De-Fi" platforms are for decentralized banking. So far, major "De-Fi" platforms have done a great job in bringing "Banking to the Unbanked" with any disruptions whatsoever. We're going to have to wait for a couple of years to see if the industry matures in the mainstream world.

All in all, it seems to me that "De-Fi" is here to stay. While it has a higher risk than traditional banking, the fact that you can obtain loans or even lend your tokens for profit without middleman it's truly revolutionary. In a crypto-only economy, "De-Fi" may be all the unbanked people need to manage their finances without ever needing a bank. At least, that's the vision of "De-Fi". But knowing that banks are too big to fail and have long dominated the mainstream economy, it's nearly impossible to live only with crypto using "De-Fi" platforms. No matter how attractive "De-Fi" may seem to be, it'll only serve as an alternative to traditional banks than a replacement. Just my thoughts