hyper BTC scenario where Fiat is dead:
you do not borrow to buy consumer goods (cars, houses etc) you could borrow to buy CAPITAL GOODS that generate income in Bitcoin terms
OK so what about the borrower? It's still an irrational decision.
If BTC is going to beat fiat (because it will remain forever more volatile), it will always be better to take loans in the cheaper depreciating asset.
Not to mention, in the example nostr: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 mentions the purchase of a car, which is a liability, not an asset, and even less a yield-bearing asset (unless you're telling me that you use it for work or something and so on, but that's splitting hairs)
Discussion
The furthest future discussed in the video is 2045, and in no case we're seeing that happen in such short period of time.
And by the way, that's exactly what I keep saying I hope BTC becomes: collateral to borrow against and buy capital goods that produce cash flow. That's the only possible "yield" that BTC can generate.