Once again, one more “newbie” question, until you realize an account does not define the person behind it.

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?
Forum loans are informal loan's and for that we can't place them in Bitcoin ecosystem for whatever reason, banks loans will definitely remain the legal means of running a loan service since it decentralized and licensed.
We have a few Bitcoin and cryptocurrency loans platforms that were very popular in the past, but lately I haven't heard from any new one or the old ones still in operation.