Ethereum is where most of the DeFi action is taking place lately and the way fees work, on top of raising the cost, makes the experience a nightmare. This is one of the reasons new EVM based architecture chains using POS as xDai or Fuse are popping up. Once you try them, you even hate more going through the regular ethereum experience.
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There is no question you need to use ETH if you want to make bank. There are a ton of opportunities but most of them only work if you have a large bankroll to minimize the ETH fees.
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And even then you're playing with fire. You're dependent on centralized smart contracts, i.e. you're trusting someone else.
Real Crypto, crypto that is safe, is trustless.