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?
Right now, I highly doubt that the banks will give you a loan using your bitcoins as collateral. Right now the governments are not even in support of cryptocurrencies yet. They will indeed deny you the chance of getting that loan. In fact, the banks are also against it as they see it as a threat to their business. Also another point to consider is the volatility of cryptocurrency. Since they will loan you fiat that would mean they would be exposed to exceptional risks due to the volatility. Say for example you loaned $19,000 and used 1 BTC as collateral back when prices were that high, they would be losing now since the price is just $10,000-$12,000 ranges.