Yeah, funny how the solution to all the inherent problems with blockchains is to move off the blockchain. The future of "DeFi" is centralization.

You are a bit out of date on your assumptions. You can read further here: https://vitalik.ca/general/2021/01/05/rollup.html

A viable L2 is one that is properly decentralized, though its consensus mechanism need not replicate the mechanism of L1.