What do you think? Will "De-Fi" beat banks in the long term? Or is it still too early to tell? Do banks consider "De-Fi" as a threat to their existence? Your input will be greatly appreciated. Thanks in advance. 
I think its too early to tell cause there are still many who patronized bank and only those who are into crypto are using defi products. In terms of rate there is no doubt defi is the winner however, people are skeptical and probably looking into the legality of those projects. We all knew that defi runs on a decentralized ecosystem where people are not used to it.