I assume it will change, as I believe bitcoin is the new M0 (monetary base unit) and a new Extirs pyramid will be build on top of it. I expect to see the change in 2025 as the BIS will allow up to 2% bank reserves to be held in bitcoin.
Discussion
Bitcoin over collaterised loans are available, around 8% rates. Currently can’t get the same LVR as fiat, but I’m ok with that. Still counter party risk, but allows you to borrow to buy a home while retaining bitcoin exposure. “Have your cake and eat it too.”
8% !! Show me.
$250k retail, will lender more to corporate structure. Change is coming.