Saifedean implied that the appreciation of Bitcoin over time would be the yield. Saylor misunderstood Saifs point because they were trying to compare apples and oranges. Receiving 1 million sats 10 years from now would hold more value than 1 million sats today. Saylor basically said no, that's still only 1 million sats on a balance sheet.

Banks and intermediaries in Bitcoin are vastly different, it's a bit hard to take the suggestion seriously. Fee's taken for literally facilitating a peer to peer trade and fees taken by handing one person's money to another person as a loan are completely different. No bank today puts up their own capital as the liquidity layer of transfer. They literally just edit a ledger and any discrepencies are loaned from the fed. The only value Banks used to offer was holding your gold for you and transferring it to your associate's bank.

I don't use banks. I use intermediaries when I cannot do something myself (which is rare). Zeuspay doesn't hold MY coins. People pay them, they pay me.