You quoted "a vibrant ecosystem of banking functions, asset management, trading exchanges, and more" and called it a stretch. Now you're complaining it's just stuff for speculation like exchanges and derivatives. That's literally what the quote said was there.

A popular asset management system is this: https://www.tokensets.com/

Maker and Compound allow borrowing backed by collateral.

Decentralized exchanges include the various DEXs and Uniswap.

All of these get substantial usage.