DeFi is headed to the same place where ICOs and other alternative names headed before it, the garbage can. you see changing the name of creating a token and selling it to people won't change the nature of the tokens. in the end we have never needed any "token" for any of the projects that existed. for example the best thing you can find on ethereum platform is the DEXes which are pretty crappy and useless because you can only swap tokens with each other, even for these we don't need any token! the token was there only to scam people.