I'm not saying that there won't be any type of lending I'm just saying that In a world where Bitcoin is the fundamental basis for all value transactions I believe that the lending will be vastly smaller market than it is today and it will be on a more trusted scale. Meaning loans only go to those with the ability to prove trustworthiness versus the current regime of everyone gets alone doesn't matter you don't even need to have proof of income you just file and get money