DeFi seems to nearly always be Degenerate Finance.

I'm only interested in stuff with Utility. Bitcoin is my savings, Lightning is a way to make micro to small payments and Hive is my home on the web.

I've pulled all my BTC out of anything that was promising crazy interest, it was nice while it lasted, but it was always temporary. I completely understand where HBD is coming from so I'm happy holding some of that.