Personally I would only put a significant amount of money in an audited smart contract that is built on a reliable, trusted blockchain. Although Ethereum has somehow stood the test of time, its dense congestions that cause delays and high network fees makes me reticent in using it ever again unless the underlying technology is greatly improved.
If developers can built something like the above and offer an intuitive user interface I guess DeFi is a perfect candidate for the centralized options out there.
I've read about the admin key issue which I now have some doubts to some projects which team still have some key control over the contracts in the defi space. This is something that teams has to take action. There were users telling that fees and congestion will be resolve with ETH2.0, I have no idea whether its true but I'm hoping that it will.
The CEO of Aave had suggested to tokenized Tesla which Elon Musk didn't respond to it. I think he is talking about Synthetic assets in Defi which I believe for traders it will be good to have it. This will help stock traders consider shifting to crypto.