I'd add crypto loans here, because it seems bizarre to me - loans imply giving someone a lot of personal data which is simply against crypto ideals.
Crypto loans work but only when the borrower can escrow something of equal value.
The guy saying he will add "crypto loans" knows nothing about DEFI per say. LEND is a big example of successful projects in that category. Talk about gold back projects being a facade and I'll say yes, because most have failed. Real estate is feasible, I don't think it should be in category of "almost impossible" project aims.