And we already saw that everything that happens on credit is perfectly compensated because of the difference between real and nominal interest rate: in an inflationary economy, interest rates will be higher exactly by the amount of steady inflation.
Stop speaking for us. Personally, I saw that you got confused between your own ideas. In deflation (or whatever) no one will charge negative interest rate for loans, whether real or nominal. You may build any theories, but this simple fact will leave no stone of them in practice.