That's a strong claim. Depends a lot on what the regulatory landscape is going to look like in the future. I'm guessing you're no more a Congress insider than I am.

Having used both defi and traditional financial infrastructure, defi definitely feels a lot, lot more frictionless to me, at least while acting within the Ethereum ecosystem. Time will tell, but I find it hard to believe such frictionlessness won't eventually force its way into the world.

Why would that be a good comparison? If Tor offered comparable services to crypto then we wouldn't be talking about crypto as something different and more advanced than Tor, which it fundamentally is.