Some people argue that something cannot ever be considered as money if you cannot get credit through it, so for example you want to buy real estate and you need a loan, this needs government approval. How can Bitcoin ever reach that point of acceptance by a government if ultimately Bitcoin is disruptive against all states and governments? Or can Bitcoin be money even if it can only be used as a gold substitute?
This senerio you raised is appertaining to legality of bitcoin. Where the government has to approve a loan whose primarily source of repayment or refund is bitcoin whose legality is still hanging and debated, it means the deal is failled already.
Obviously, this is a real and positive senerio you have come up with and my response is, based on if the jurisdiction has legalised bitcoin or not. Hence, if it has not, the loan might not pull through .