Thanks a lot for your great comment Piotr. I greatly appreciate. I see that in the long run DeFi could become a valid competition for banks but I totally see your point. When the people in power start to feel threatened by the technology a new witch hunt may be started by politicians and the bank lobby.
I think that the difference between Ico, STO and DeFi is that with DeFi we have not simply nice whitepapers but real technology that is being tested. As with former hypes not every project went down the hill. Some ICO became nice businesses and probably there will be soem DeFi platforms that are here to stay...
Have a nice day!