Awesome, I agree with everything. DeFi would be cool but seems a bit too ambitious. We are already far from the competition and Hive taps into another use-case. Let's focus on second layer and dapps and leave DeFi to chains with better security.
Also, rewards should be removed off the main chain only after SMTs are created. It would be too much of a disruption not to create another token that works in the same way a the current model.