Certainly the loan market will pose several new problems, above all with regards to the guarantees, the competences and the reimbursement systems. But in the end it's always about money, and it won't take long to find a practical solution to the new problems.
This market will work always. Very often, the interest rate on loans in cryptocurrency reaches even 20 or 25% in a year. That is why such loans are beneficial to take for the short term only. Additionally, despite such a high rate, many users, having been refused by the bank, agree to such conditions, as this is the only way and the only opportunity to get a loan for purchases, business or other purposes.