Yes, in the case of Ethereum "DeFi", the end user is expected to pay the (significant) cost of executing functionality. For next-gen "DeFi" systems like Holoch

Yes, in the case of Ethereum "DeFi", the end user is expected to pay the (significant) cost of executing functionality. For next-gen "DeFi" systems like Holochain -- the incremental cost of executing functionality is vanishingly small, and can be distributed across a DHT substrate hosted by all users of the App. A self hosted Holochain "DeFi" app costs a small constant factor C times the average agent's memory / network / storage cost, to each client. In other words, you gain the benefit of the "DeFi" version of App for yourself, by investing a small C x your own cost to run the App for yourself, alone.