What do you think about DeFi on ethereum at the end of 2021? It doesn't seem to you that this is an absolutely bottomless pit living your money on transactions (unless you are a millionaire, of course)
Heard about DeFi on Solana or Near? When will such blockchains completely replace the losing Ethereum Network?
I suppose that for you the biggest issue are the fees right? If that is the case I can understand what you are saying as I have been seeing that the fees can be quite high, however I do not think something like this is going to happen anytime soon.
People are wiling to pay a premium and to make use of those services over the ethereum network instead of taking their chances with other networks as they imply do not trust in them, and until that changes then you are bound to see those huge fees over the etheruem network.