Right, but you answered your own question. Sure you can lend other people crypto so they can gamble with it. It is all a pump and dump scheme. People aren't borrowing crypto on DeFi to buy a car or house. Crypto isn't practical money. I also don't think that layer 2 or other off-chain will be able to solve it. This is just "money" that is controlled by someone, just not a specific government. As soon as the government makes it illegal, almost all of it will go to zero.