DeFi in advanced forms may indeed allow any more people to transform their ideas into a business. However, these advanced forms of DeFi require forms of quality ratings, otherwise, not too many people will 'invest' due to lack of knowledge.

I disagree with you the current fiat system is closed for raising capital. Numerous crowdfunding platforms emerged over the last decade. More and more startups and growth companies are making use of them. Banks (at least in my country) are helping entrepreneurs with loans combined with crowdfunding.

Added to that, in the last two decades startup accelerators emerged left and right. Another way of getting something funded.

Sure, not everybody with an idea gets funds, but this is wanted behaviour. Everybody can have a good idea, but surely not everybody is able to start and run a business. That's the current problem in the crypto universe. So many projects launched through ICO, a new token, or whatever to get funds, but lack the ability to execute, hence many projects stop or their token trends to zero.