DeFi is what makes web3 develop more, it's the future IMO.
The only problem here is that too many scams out there but if you choose what's the best and the chain to stay in, you'll experience the true meaning of crypto.
It's not about the hype, I've been using DeFi for years now and its really game-changing since it's more of a user-controlled platform, no 3rd party and no traditional ways. More advanced and more efficient.
"De-Fi's" only a "game-changer" if it stays true to its decentralized roots. But we all know most "De-Fi" platforms are centralized, so the experience would be no different than traditional finance. Is that the future Satoshi wanted? I doubt it. But to each their own.
I'm afraid it's too late to help improve things for the better. Regulators and "Wall Street" have their hands tied on crypto. It's their game now. Even Ethereum is compromised. It holds the #1 spot in TVL across "De-Fi" protocols. I wouldn't expect this to change anytime soon. With centralized stablecoins dominating the market, what more could we expect?