Defi are the future of crypto. With no middleman and a small service fee, exchange, trading and all sort of banking would be just more easy, beneficial and productive for everyone. Total decentralization maynot be all in one solution against bank but they'll eliminate many of the banking functions. And rest would be captured by centralized exchanges. But not all of these Defi would make it to the future, to be real I don't think any of the current defi would be future proof.