For adoption and progress: Do we need transparent more trust-able Cefi, safer more usable Defi or some new union of the two?

Mainstream adoption is still a ways away. I must share my disappointment when yesterday I was search "frozen withdrawals" when research the Blockstone REIT withdrawals freeze, but the results were awash with dozens upon dozens of crypto exchanges that had frozen withdrawals. It makes Cefi look very untrustworthy and we always say not your keys not your crypto, but at the same time Defi can be a nightmare, especially to newbies. It's so weird because in Defi not only can you be a victim of hacks(malicious human actors), you are also vulnerable to exploits and bad contracts(badly written contract code, but also your are also a danger to yourself, such as just sending to the wrong address/network. Defi is too dangerous and complex for newbies and Cefi is too shady for everyone.

So, do we need some new framework for Cefi transparency? I personally prefer to move away from centralization. But if so, how do we improve on the complexity and dangers of Defi? As good as Metamask is, there are simply too many moving parts in Defi for the average person to keep track of. Do we then need something entirely new, that dumbs down much of the Defi concepts and sort of forces users to stay on one network and enforces & simplifies the address's network similar to ENS? Perhaps users are even limited to only one network like Ethereum and it's L2's. Perhaps even with a feature that auto-buys gas currencies if the user is lacking, to make concepts like gas fees completely seamless. Basically trading versatility for simplicity and usability. Thought?