It is good that DeFi is being used in new areas that already have many users and are popular. This will more popularize cryptocurrencies and attract many new users to the DeFi market.
But there are also a lot of defi projects that are not really targeting what it use to be.
Everyone has to be careful with those defi projects and if they just want to earn passively, you can choose to have staking coins and just do it on your own without depositing it to any platform.
You need to work carefully in choosing what defi project to invest your money, just like what you say there are also defi which is not performing and investing to that will only lead you to lose your investment, carefully analyze and then assess if you are targetting the right one, before you proceed make sure that you are done with acknoledging all the information that you need in order to react and adjust if there's a need for you to do so.