It seems like you're responding to a different comment... > $100m fines, chargebacks, compliance, transaction fees and the labor behind these are all fat that

It seems like you're responding to a different comment... > $100m fines, chargebacks, compliance, transaction fees and the labor behind these are all fat that could be trimmed with DeFi. Yes, I know. These are the things I like about regular finance and don't want to give up. All of those things are pro-consumer except the transaction fees. DeFi has not demonstrated an ability to eliminate transaction fees or even to make them predictable or consistently low! It's the worst of both worlds.