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> Crypto currencies (or atleast DeFI) is trying to solve a pretty pragmatic problem: There is 1.7B unbanked people in the world and banking services are outdated and unavailable for large portion of humankind.

Huh? Is that the story now? I thought cryptocurrencies were about 1) implementing some kind of cyberpunk-libertarian vision of a world free from the control of central bankers, 2) getting rich quick off of speculation, or 3) rushing to apply a faddish technology to be hip and cool.

I would be very surprised if DeFI's relationship to the unbanked was anything besides "uh, so now that we've made this thing, what use cases could we use to sell it?" (e.g. exactly opposite to what you've described).