Maybe you are right that the presence of a decentralized system has changed the course of the financial system, but it does not mean that we will completely abandon the banking system. This is just an option for us to continue to maximize profits because basically as long as the country you live in does not include crypto in recognized finance, you only need to be wise in using it.
A little discussion about Huma Finance which can be said to be a new project and overall it may seem tempting but you have to be a little careful at least let this project run a little longer. It's not about the benefits offered but we have seen many similar projects and ended up unclear.