Where is the DeFi market stuck?

Stop focusing solely on user education; the real bottleneck lies in the underlying architecture. Most lending protocols are still patching things up, while some projects have already begun to fundamentally reconstruct.

For example, the idea of some new generation protocols: instead of explaining how complex cross-chain is, they directly swallow the technical challenges into the backend. What you can see is—deposit money, and the system automatically finds the optimal yield across chains; strategy adjustment? Fully automated, you don't have to worry at all.

This is the product logic that should exist: users only care about the results, while the protocol handles all the complexity.