Expanding on my previous reply, it will work more like a crowd fund. There are some fiat apps that do this, you can make micro lending to thousands of startups for a nice interest rate.

If you really want an in depth, but simple explanation, Bitcoin hating Peter Schiff wrote a short book explaining how savings based lending and a savings based economy works.

It is an analogy of a fishing village. It’s called:

“How an economy grows and why it crashes.”