I think DeFi is the future...
I personally believe there is much potential behind it, however it is still very new.
But I like to think this might be a chance for people to get decentralized financial services, specially those who have no access to them through regular/traditional methods.
The price of the gas within the Ethereum network is worrying, to be honest.
I am glad I have BTC, otherwise I would be in trouble.
You are right, the nightmare of the majority of DeFi today is very high fees. For this reason, DeFi developers must think about using another blockchain because currently there are many blockchains that provide cheap gas fees.