I think you're too late to know it, DEFI hype was in the last year and you warn people in this year where the hype is currently about NFT, metaverse, and play to earn games.
If you know what's good for you and your cash put them in bitcoin and stable coin.
Forget of so called decentralized stable coin e.g. UST? How you can say stable coin is safe when the price can't always stick $1 and goes down to less than $0.1 lol