This is an excellent response and I wish it was a bit higher up for people to see. My only retort to your points would be that much of what you've described is

This is an excellent response and I wish it was a bit higher up for people to see. My only retort to your points would be that much of what you've described is still in nascent stages or at best, early go-live. I'm rooting hard for Ethereum to get ahead of some of these problems, but with all the noise in the community the last few years, it's difficult to determine what is actually legitimate and what is simply being oversold. My hope is that the Defi boom will continue it drive attention and resources to the space that will help to realize some of this potential. Despite that, at the moment I still can't help but be a skeptic myself.