According to the article "Decentralized Finance (DeFi) - The Emerging World of Decentralized Finance," what are some potential benefits of blockchain technology and DeFi? Question 22 options: 1) Efficiency, transparency, innovation, and financial inclusion. 2) Increased intermediation and hidden risks. 3) Fraud, attacks, governance controversies, and failures. 4) Well-informed understanding of opportunities, risks, and challenges