I think most people in full time work or those without a keen interest in finance will generally lean towards whatever services require the least work and know-how to be accessed (not to mention a feeling of security - because these people are NOT likely to be checking on the market value or the short-term ambitions of the services they use). They just want to be able to deposit their savings (preferably automatically) and know that in 6 months they can take out those savings and buy the refrigerator of their dreams. The rate of interest they get is just another reason to choose one service over another to begin with. Its not likely to be the thing that drives mass adoption of a service (especially when the rate goes down the more people who are in it! I mean, someone must have run the maths on how scalable our defi APRs are? What if these contracts were being utilised by the sort of client bases that a national bank is serving? Im sure they would be small right? But how small? Are we actually offering a more lucrative economic model than the current system, and if so, by what margins?)