I definitely agree that the fees and the over-complicated nature of Defi will be a problem. However I see this as something that will change because people will naturally move towards the systems that can solve these issues. ETH is fairly crazy and I can't see myself doing anything on ETH because of the fees as well as the protocol debacle. BSC is better but I don't think it will be the final side chain to apply Defi. I think there will be even better systems created to attract users.
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That is the nature of innovation. I agree with this assertion that we will see something coming online that is ever better than what we see out there.
Hopefully it pops up quickly.
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