i have real doubts that defi could replace traditional bankunbg system at least because defi is definately other concept and will face a lot of transformations in future. as for now i'm using defi as an investment toll with nice returns
totally agree with you, i'm also believe in defi, it's more credible concept than ieo and ico. i prefer to invest in dex-es, i believe they will be next to centralized exchanges
btw recently found an interesting stablecoin exchange - xsigma, did you know smth about it ?