DeFi has become "a thing" for quite a few years now and although it has yet managed to threaten the current banking system in any way it is definitely a push toward making crypto as a whole the replacement part for a crooked current financial system.
There have been already plenty of hacks and rug pulls in DeFi, as in anything crypto related, Leofinance has suffered from a hack on WLEO as well, but it has managed to get over it and move forward with development.
Hive is no longer what Steem was and what many of us have been accustomed to. I believe that Hive right now is more like a society than just a crypto-based social media/blogging platform. You can be part of Hive and do nothing "social media related".
For example, you can play games and earn crypto on Hive and almost no one would notice your presence unless you brag(post) about your experience with that game or you can just own an account and stake HBD for a 20% APR. Hive is gradually becoming a blockchain for all sorts of apps. There's literally so much going on with it.
For a few good days 
Earning interest on your HIVE and HBD is something we didn't have on the old chain if I remember correctly. Now, the way I see it, we earn some interest on HP and we got the option for a juicy 20% APR for stacking HBD. I'm a leech, as some fellow Hiver called me the other day for not powering up anything and constantly powering down, thus it's a no-brainer that I don't get much interest on my HP.
Hence I don't cash in many curation rewards either... BUT, I have always kept HBD savings in my mind. The strategy about a year ago was to cash out some decent profits from my non-Hive-related crypto portfolio and turn those into HBD, and implicitly stacked HBD, which would earn me 20% APR on these bull market profits.
I was too dumb to see the bull market was over, thus the profits I took are nonexistent and till yesterday I had no damn HBD in my savings account. Now I do... One of the coins that I hold as a mid-long-term holding is EGLD and I have all my EGLD stacked on the Maiar app. The APR is not high, something like 9.5%, but at least I trust the project and I'm happy with what I get.
Yesterday I managed to "get my hands on one whole EGLD" from stacking my coins and I "dumped it all" for HBD. That's just $45 of HBD that is sitting in my savings account now. It's peanuts money, but it is a start and I got a plan with the HBD I'm putting into savings. The plan is to dump all the EGLD I get in stacking rewards into HBD savings for something like a year or so from now on and use that account to pay for my vacation next year which will probably be sometime in August.
I don't know if crypto prices will move high enough to make that account pay for a vacation at the sea, but I'm trying anyway. If the plan fails, at least I have an HBD savings account that generates 20% APR on a pretty stablecoin, and maybe in 2024 that account will cover the expenses for a summer vacation. Will see about that. That's about it for now, digital folks, have a great day, and see you next time.
Thanks for your attention,
Adrian