Exactly. "De-Fi" is still far from replacing banks anytime soon. Its biggest downsides are hacks, theft, and price volatility. People want stability, safety, and reliability, so most of them resort to banks to help secure their financial future. We should give the "De-Fi" industry more time to mature as it's just starting to blossom. Even so, it's unlikely banks will disappear since they control the world's economy. As long as Fiat exists, banks won't be going anywhere. One would expect "De-Fi" and "Ce-Fi" (banks) to co-exist for many generations.

What matters is decentralization and censorship-resistance in order to fulfill crypto's vision of "banking for the unbanked". As long as "De-Fi" stays true to its roots, there should be nothing to worry about. Just my thoughts