i may not be articulating it well, but the simplest way I can boil it down is that the most sophisticated and richest crypto users know their money is better off on-chain. the idea of a crypto loan is still fucking crazy/incoceivable to people who barely understand bitcoin, but to those who do, and are willing to learn, we're basically still insanely early. I'm not on some hopium here, it's just obvious. more money is going to go into defi than traditional banks, because in 5-10 years (whatever fucking timeline you want) anyone that's new to investing or making money will have all this defi shit appified and all the carded/mobile payment integration will be there. once it's safe, secure, and easy, banks will have nothing to offer. we're already there functionally. banks just cannot compete with smart contracts/dapps when it comes to money management.