Re: Is Bitcoin the future of loans or just pocket change charity?
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?
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?
Can BTC be used as a currency(or a collateral) for loans? Yes, it can. Do really have to lend our BTC to borrowers? This is completely up to you, but I wouldn't do such thing.
Can Bitcoin replace banks, when it comes to giving loans and mortgages to companies and households? NO, it can't. Bitcoin isn't a company, nor a bank. Bitcoin doesn't have bank clerks, who would evaluate customers and give them loans and mortgages.
What exactly do you mean by "charity loan"? The term "charity loan" doesn't make sense to me. The cryptocurrency loans on this forum are backed with cryptocurrency collaterals and have an interest rate. There's no charity element in them. I don't know where did you come up with this "charity loan" thing.