Decentralized Finance is in a state of disaster. There is now over $79,173,766,242 billion dollars of total value locked (TVL) and over $200 million dollars has been hacked/stolen from DeFi projects in 2020 alone. Exploits, bugs, and straight rug pull. Especially where the owner continues to hold control over the smart contract, are to blame. Let us add that ownership of a contract is actually centralized finance in the same way that a bank has the power to freeze your account.