I don't think that's gonna be a problem. Separate tokens can be created for credit. Nothing can replace the purity in the economy after crypto acceptance. Imagine that there will only be limited money and no one will intervene.
Bitcoin in the future will be able to be combined with the banking world, because the existence of an interconnected system will greatly facilitate the smoothness of making payments and deposits, in the future state banks can also facilitate the use of bitcoin in all sectors, this is very possible, and now the situation has begun to allow for something like this.