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What are those concerns you do understand if that topic is even a question?
In year 2022 alone there was
$3.8 Billion stolen by exploiting DeFi Protocols. How is that future of money? And how is that equally valid alternative for banks? Imagine this happening with actual banks. They wouldn't exist if even fraction of this was a common thing in them.
That is exactly the unique reason which has turned me away from using Defining the long term all this time, to be honest. Whenever I have some spare money which I would like to save for the future, I try to find way for it to generate interests, slowly but steadily. Defi was an attractive option for me and I was kind of looking forward to providing liquidity in the form of stable coins to protocolos like Uniswap and Sushi, but with all those hacks and exploits which emptied all the pools of liquidity of other protocols (like Pickleswap) I would not be willing to put my trust in the code of a smart contract I cannot audit myself (I am not a programmer or a coder, so I cannot do it).
I wished those Defi protocols were not so targeted by hackers and thieves as often as they are, so I could sleep tight at night while providing liquidity to their pools at the same time, but It is not possible as it stands today.
Unfortunately, Defi has hurt many people by promising much and delivering week smart contracts, getting broken into by hackers.