Check out Aave: its a lending protocol carrying $20B in assets on smart contracts. It works great! https://aave.com/ https://aave.com/ Or https://compound.fina

Check out Aave: its a lending protocol carrying $20B in assets on smart contracts. It works great! https://aave.com/ https://aave.com/ Or https://compound.finance/ https://compound.finance/ also a great project. Ethereum's gas fees have nothing to do with the price of the base asset: it has to do with limited block size availability. When the network is congested, block size is limited and this causes transactions to be bid up in an auction format to get in first. This is one of the costs of decentralization. However, recent advances in Zero Knowledge Proof cryptography has paved a path for Ethereum to take to get to VISA scale and beyond and be able to process 200K transactions per second (at pennies or less per tx): see https://zksync.io/ https://zksync.io/ and https://starkware.co/ https://starkware.co/.