I don't waste time to analyze obvious scams.

You can earn Bitcoin by going out and working or running a company which provides value to the world, or by investing in companies that do. Get out of the fiat mindset.

I think it would behoove you to maybe do some research or understand what you're criticizing before dismissing it outright.

Earning interest on capital you are willing to put at risk is no different than investing in a business. The concept of loans and return on investment will not magically disappear if Bitcoin becomes a standard.