If they haven't borrowed anything then you have zero $ numbers on the market.
Once they pay their loans, the debt is repaid, but the money supply remains the same. Isn't it? Anyway, I think we're missing the point here. You're asking me why wouldn't I want the dollar, I'm telling you that it's constantly inflated from the near-zero limit of required reserve. You then ask me why would I want a currency that is used by anonymous people, I'm telling you that it's a hedge to inflation.
You asked why would a person buy Bitcoin; you've already gathered a lot of answers. Why can't you admit there are valid?
How do you define capital, anyway?
Their definition would definitely contain the following: Is there a law which will enforce you to use it? That's capital.