So why is defi necessary to make this happen? I feel this vision defeats the whole purpose of defi. The Kenyan farmer still needs to sign up with a centralized

So why is defi necessary to make this happen? I feel this vision defeats the whole purpose of defi. The Kenyan farmer still needs to sign up with a centralized insurance provider. The insurance provider also now needs to overcollaterize their loans...and at that point why not just cut out the middleman defi pool and use that capital to run as any traditional insurance provider would? In any scenario you still need a company to vet/insure the farmer.