That is what every bitcoiner wants, but for this to happen, BTC tx fees will have to stay low, because if attacks like runes and ordinals continue in any other form, it would be hard for BTC to be adopted as a currency, and nobody would want to spend it due to the fees they have to pay.
Take note that BTC is volatile, and it is difficult for it to be used as a form of collateral, maybe in the future when volatility has reduced, then it could be a good option for collateral and loans, without considering what will happen if the price in $ value rises or falls.