In reality, just about every DeFi platform is not trustless nor are the usecases possible in a trustless way. Uniswap is one exception that comes to mind.
The parallel is that you can have the existing financial systems replicated on Bitcoin, Ethereum, with some additional properties and tradeoffs. I don't think you could make that kind of comparison with ham radio?
While this is true in these early days where developers need the ability to upgrade contracts and quickly fix bugs it is not the long term state of these projects and all of the major ones have defined paths to full decentralization. It's important to note that even today all of these services are non-custodial which is already a huge step up from the status quo. The amount of centralization is also variable with some projects able to upgrade certain portions of their systems but not all of it and other projects simply having an emergency kill switch they can use in case of a critical bug but can't actually change the contract.
It's definitely not perfect right now but it's already better than traditional systems with things becoming more trustless over time. Eventually these services will be as fixed as Uniswap/Balancer/etc as things get more stable.
Ditto on the non custodial claims, I can count on one hand the amount of times I've seen this term used to describe a product and for it to actually be the case.