I've really just started digging into decentralized finance, and a lot of what I see does seem like nonsense; however, I realize that things are still in a very

I've really just started digging into decentralized finance, and a lot of what I see does seem like nonsense; however, I realize that things are still in a very primitive state. With some of the largest financial institutions in the world having a net interest margin between 250 and 300 basis points, I cannot help but think there is some potential for decentralized finance to somehow give at least a portion of that margin back to people. It's going to take time though. When you are moving money around, you cannot break things and then ask for forgiveness later. Good engineering practices will need to be brought to the space. Good risk management will need to be brought to the space. I'm curious as to what this will all look like when things mature. Will we be able to transfer the entire functionality of a bank into a smart contract someday with all of the regulatory metrics currently attached to traditional banks fully intact?