financial -> 2008 subprime loan crisis, recent inflation
groceries -> couldn't buy toilet paper at the start of the pandemic, still some lingering supply issues, prices going up
restaurants -> many not open reliable hours anymore, many closing
medical -> costs way too high and continue to rise, hospitals oversaturated with patients from time to time, nurses quitting
All of it is ultimately backed by laws, systems, real people who can be held accountable -> maybe if you are rich
I can't fault the average-income (or slightly higher/lower) person for having the point of view that these are starting to fall apart and aspects of DeFi becoming attractive, even though the practicalities have a long way to go before they would become anywhere near as foundational.