According to ZachXBT, the focus of decentralized finance should be on creating products that outperform centralized services in terms of fees and efficiency. ZachXBT emphasizes that the purpose is not merely to settle for decentralization if it incurs higher costs and longer transaction times, but to develop superior decentralized solutions that offer competitive advantages over centralized alternatives. This insight is critical for traders evaluating the efficiency and cost-effectiveness of using decentralized exchanges versus centralized ones.