"use savings instead of a loan" is a nice thought but most people aren't realistically saving much money.
also, suppose you're a business and you just got an order for 1 million gadgets and you can't pay your supplier for it unless you get a loan from the bank.
business banks will give a loan to pay for that sort of thing if you can prove that you can pay back later.
most people are not saving now because society does not incentivize it. The money system prefers borrowing.
The problem is that nobody is motivated to save money with a currency that loses its value at an average of around 7% / year (and these are the best countries in the world) 👀
And if you want to save to beat inflation, it becomes a job and you have to take on risks 🤦
With fiat, the only way to beat inflation is by getting a pay raise each year that beats inflation, which almost never happens.
You're probably more likely to get a pay cut nowadays tbh
That is why they have inflation built into the currency to begin with, to make you spend it! Saving is evil in fiat world.
So... Save in bitcoin
You won't be punished from inflation
