If credit implies interest, then, it's a flaw in itself.  If interest are charged, the fund for paying back those interest just dont exist.  Eg : There is only 100 $ all around the world, and it's mine.  Someone borrow me that 100$, and I charge 1% interest.  This borrower would never be able to give me the 100$ + interest, because there is only 100 $ in existence.. 
That's why bankruptcy are built-in in this "credit/interest/fract-banking" system..

That built-in need for bankruptcy (interest) is a major cause of the faillure of the actual monetary system world-wide.

Perso, I dont wish to create a feature in Bitcoin that renders bankruptcy inevitable.

was my 2 satoshi