The label ‘decentralized financing’ is misleading - the DefI is neither much decentralized nor offer real world financing.
As a technology developer I can create every day a new DeFi token and it will cost me little. Then I can offer 10,100, or 1000% interest for holding / staking these tokens.
In addition, in real world financing is used for making tangible things.
The DeFi currently is used for swapping and trading with other tokens on the same blockchain.