So, given your logic, the solution for the problems that occur with instruments that enable borrowing and lending goods and services, is to give your goods and services for free. Are you serious or are you joking?
If you're certain that's the logic,
why not take this user up on their generous offer? You're getting something for nothing then, right?
If I had Bitcoin('nothing'), why would I sell it for $1 if there are 'greater fools' who will pay $3.5K USD for 'nothing'? The fact that Bitcoin is ownership of nothing doesn't mean I am stupid.