Great article Adam! However you are assuming 4% inflation when most experts reckon it will be more like 15-20% due to all teh money printing.
The 8% a year for stable coins sounds great but not compare to 10% a week most coins seem to be producing at the moment. When we go into a bear market, the rate for stable coins will drop significantly also.
Defi is the way to go but it needs a more sophisticated apprach to make money trading, with liquidity pools, yield farming and other riskier options