The elephant in the room with DeFi is always the underlying asset. It’s like being your own bank (but only if your bank vaporizes your balance every so often).
What you mean here exactly? I've been doing DeFi stuff for almost a year (Ethereum) and my "balance" has never been "reset". You must be doing something very wrong if that keeps happening to you.
Also, no one ever said DeFi is like a normal bank account. In fact, the biggest feature of cryptocurrencies and DeFi is exactly that it's not a bank account. It's likely the top reason people are involved in the first place.