There are many things wrong with the claimed benefits of Defi here.
1) Concerning a lower limit on fees "With decentralized finance, that limit doesn’t exist,”.

This assertion is just false. In fact Defi transfers have higher costs because the record-keeping and operations of smart contracts must be replicated on thousands of nodes (computers) instead of a few.

Proponents make the costs appear lower by leaving out the minting of new coins as block rewards paid to miners and validators, and by neglecting that most of the costs for Cefi transactions are for services not provided by the blockchain or Defi systems--fraud protection, AML compliance, currency conversion, and customer support.

Zelle transfers are free to consumers and can be received by anyone in the world with accounts at participating banks. Wire transfers for large amounts cost far less than 3%.

2) Claims of financial inclusion. These are just assertions with little evidence. Most unbanked don't have money. In other cases, the obstacle is laws that require IDs or impose restrictions on opening accounts. Why would we want to promote a parallel financial system to do what we forbid on our current one?