Yes. It is still a very volatile market and for one thing, I am sure no bank will even want to be taking such a risk which is why they are in a higher percentage not be able to withstand the idea of decentralization.
Maybe over time when things change and we get to start seeing real life usage, more demand, less volatility towards the downside and so on, I guess we might things change, however, we also have to consider the aspect where the deflationary side of bitcoin might end up making it more of an asset than a currency, hence, the speculative nature.
Hence, I do not think, banks offering loans in bitcoin would really make any better impact as well.
That is right, they are not going to offer loans for bitcoins as a collateral so for sure we will just need to have at least holdings of what we do have currently and make it an investment for our future, time will come when all the coins will be a million worth in the future especially bitcoin so don't waste your time and investment, make a wise decision.
I think the bank might offer a loan of money with bitcoin, but the loan standard is not based on bitcoin but on dollars or fiat. you
can't borrow 1btc or 2btc but you can borrow with $7,000 then accumulate to bitcoin? maybe that will happen in the future?