Smart contracts are convenient, but they are good for experienced people. DeFi tokens have been gaining momentum for a long time, their prices grow steadily, I recommend you to have a look at the history of UNI, LEND, COMP.
Regardless of the fact that DeFi tokens don’t enjoy high market cap, they have more prospects in the long-term run, these coins are less vulnerable to inflation. In addition, the system is completely decentralized, you don't have to worry about commissions and transaction intermediaries.