You are pitching to replace a heavily regulated system built by rich people to commit financial transaction with each other with a system built by technically competent people to make money for them out of "thin air", aka other people's electric bill. Instead of trusting regulated institutions, you trust chain X or exchange Y, which end up taking all your money and running 90% of the time, and where no-one can help you get it back because it is "decentralized" (it's mostly not - if somebody can decide to mass-undo transactions on the chain, that somebody has centralized power) and "trustless" (only ever in regard to other participants, not the developers aka self-proclaimed owners and regulators of the particular currency or defi system, aka the "new bank", eh "neobank" ,... just like with other banks).
You are trying to replace financial regulation, which is broken in many countries, by a temporary lack of financial regulation in the crypto space - which will inevitably go away in a few years once the governments catch up - but in the meantime this lets a select few technically semi-competent kids scam a bunch of less competent people out of their money.
Just like 90% of defi (and I am being very generous here), 90% of fintech is a scam, often perpetrated by exactly the same people, a lot of whom use crypto or defi as a nice buzzword to add to their buzzword portfolio. The rest is trying to work on broken regulations to allow doing things like pay for groceries with your phone (something people in Africa "surprisingly" managed without blockchain for the last 15 years, see mpesa.)

You know how Nigerians used to buy bitcoin? Through trusted middlemen abroad who pooled the money, because most people didn't have internet access. You might say "see, it works without internet". The fact is, it could have been literally anything - gold, diamonds, USD, stock, the fact that it was a cryptocurrency was completely irrelevant in practice, it is just that they trusted the middlemen, and trusted that the resource on the other end is valuable and unregulated in their country. It could have been potatoes. That's the actual fintech, or defi, or whatever you decide to call it. Not an app on your phone, and not a fancy block chain. It happens to be built on trust.