bitcoin loans are both gambling and scams

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Sure but most people do not accept Bitcoin as payment. If I own a business and owe someone 10k of usd tomorrow but I will not get a payment from a client for a week that will cover that I can take out a BTC collateralized loan and don't have the taxable event. Am I missing something? The custodian only holds by BTC for a week. It seems there is a use case.

No capital gains