Well, you can call fiat money(loans) crap if you like, but this won't change the fact that Bitcoin system is not a payment system but a database management system and that it has nothing to do with money and economy.
Except that it clearly is an economy. It's
our economy and we couldn't care less if it doesn't meet your "standards" to qualify as an economy. You are of no consequence to us.
It is not economy because economy assumes the exchange of SOMETHING while in the case of Bitcoin NOTHING is exchanged but only database entries are altered.