No one can predict the future of cryptocurrency and even a specific token. But Im sure that it will develop and grow despite government bans. Therefore, I think that no one will give away cryptocurrency loans.
You can't say exactly what will happen in 10 years. But you can predict that USDC price will next week 1$, simply because it is designed that way.
And you can code a token - may be you not, but for example, I can - with mechanisms that limit its volatility.
Read about the concept of Maxit
https://www.maxicreditcompany.com/whitepaper.pdfhttps://www.maxicreditcompany.com