edited: (changed from question to statement)
If the Banks where about to give a service where the people can get a LOAN via Bitcoins I guess, it would be beneficial to all of us,The Banks and The Traders.
I think with this, trading would be a lot more easier, am I wrong?
Escrows will have an easier way to get money from other individuals, and the budgets for the Campaigns will be a lot more than before.
I guess with this model we have got the lending techniques in the crypto world itself and it just works fine. Also most of the escrow service providers are getting the money from such services only.
Now coming to the statement of yours where you are claiming people getting loans from the banks, I dont think its true. In fact there is no single bank that exists based on the crypto currencies. In addition to this traditional banks wont allow to give away the loans in terms of crypto because this model is not gonna work up here.