Hello @achim03
The truth is that I understand something about DeFi, and the main thing is that, as you name it, the banks are trying to get out of the way, using the smart contracts as intermediaries.
However, although I have read something about it, from an operational point of view I don't fully understand it.
Another thing that keeps me on the sidelines is the issue of operating costs, the price of the GAS is through the roof, I don't think that for now it is something for the average person, either because of costs or because of the ease of understanding it.