So, is BTC really the ideal tool to replace banks in typical loans and mortgages, or is it only designed for big players and small-scale charity "loans" like we usually see in this forum?
Bitcoin is an alternative and not a replacement, so are other means of getting loan. They will all be alternatives to fiat and not a replacement because there is nothing that can replace fiat.
I do not think bitcoin is good for loan because someone that loan money is in dept and some people can find it hard to pay such dept back but if the price of bitcoin increases, it will become more difficult to pay. I prefer using fiat for loan but bitcoin can be good when the price is significantly high already.