There is hardly any balance in real-world expenditures. To be honest, I refrain from holding my money in the existing ecosystem. De-Fi works as a saver for me. Inflation in my homeland has become unbearable. I transfer my "store of value" to the PolyCUB stablecoin pool, some on Nexo and a little for trades. The majority is on Polygon De-Fi projects like AAve & PolyCUB.
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For sure man, true story. I opted not to do it. I'm leaning towards high APR stable coins like HBD. They are certainly risks involved with that as well, but I feel better about it than the other existing ecosystems like you mentioned.