Dear @culgin

Finally I've managed to read your post. I bookmarked it like 2 days ago, to ensure to check it out once I have some free time :)

Fast forward by 3 years, we do not really see much success in that field

On the contrary, I think we can see huge success in that field in undeveloped countries. Where many people have an access to steem/hive wallet. However they do not have own bank account.
I've already met such a people from Venezuela or Nigeria.

ps. I still do not understand difference between DeFi and most ICO. Isn't both mostly working as a store of value?

Solid read, upvoted already.
Yours, Piotr