DeFi - decentralized financing is a smoke screen created by marketers, which is popular because of the possibility of quick gains.
It is easy to create a token and assign it value based on how academic sounding is its white paper.
As the token creator has control over both the supply and demand sides they can move or keep the price of the token.
And, as the creator has the initial token supply they can loan as much as the user wants or pay 10/100/1000% interest with the supply that they have.
