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?
Big players like Do Kwon and Sam Bankman-Fried, do you mean them?
These big players bet big, took super high risk, were stupid with their greedy dreams and they were all imprisoned. It's not worse, and the worse things are these men caused terrible losses to many people who believe in Terra, FTX, and stored their money on Terra, FTX or invest, trade, catch the dead cats when LUNA, UST and FTT tokens fell in their dead spirals.
Bitcoin does not need big players like Do Kwon and SBF.