That is exactly what i say. Saif believes we will be exchanging bitcoin for equity through things like IPOs (equity). That is literally my last line.

And IPOs are a form of borrowing/lending. where the objective of the borrower is to get cash from someone with a promise of future returns.

As for borrowing through banks. Saif believes that will slowly stop, at least at the government level. and private lending might happen for free (he even argues for negative yield).