Equity means nothing if there are debtors.
Bitcoin solves this, but only Layer 1.
There is no credit on layer 1.
Credit will happen on Layer 0, the people.
Credit above layer 1 poses risk unless you can exit back to 1 without permission.
#Layer0 is the beautiful reputation based social credit system that must come to use, lest the CCP-like ones continue to gobble up the world.