Well long term moderat-defi will reach normies for sure but not without some trusted third party like gemeni, binance...just my guess, maybe it will simply go on from here
Experience has shown that in every hype there were some things that survived for the long run and I believe that you are right that it will be the moderate instruments that will make the cut. You are also right that people are not used to have no responsible third party to make such deals and it will probably last a bit longer until DeFi can become mainstreem technology.
Thanks a lot for your comment!