Defi 3.0 wen??? lol... I'm half kidding ;)

But seriously. Yes. Defi 2.0 is going to get a lot of people out of these centralized bank scam systems. I've always used a dex where possible. For eth it's super expensive. Metamask swap let's you use polygon to swap now. Do it's like 80 cent fee max. Very fast and works great