I don't really think defi is going to be as necessary until we reach hyperbitcoinization and that is still years away.

I think the risk to your personal bitcoin is too high right now to want to lend it out for yield. I think fiat money is easier to rehypothecate and therefore the defi thing on fiat is really easy.

I think lightning works for stuff like daily purchases and products like the prebuilt nodes from umbrel and vendors like zaprite can bridge the daily use thing...

the big challenge is seeing how we are all going to get PAID in bitcoin...