I do understand that this year brings unknown variables into the inflation conversation. I can only base my projections on historic averages.

As for the returns on stable coins — most platforms do not have a goal to stay stable on their return rate. I’m looking for protocols that want to provide consistent returns that people can count on. Even in a bear market. Anchor protocol through Terra ecosystem is my favorite thus far.

I agree, DeFi has a ways to go. Give it a couple years to get everything ironed out ;)