You're talking about Bitcoin specifically here. Look at the decentralized finance space currently emerging around Ethereum where smart contracts are used to con

You're talking about Bitcoin specifically here. Look at the decentralized finance space currently emerging around Ethereum where smart contracts are used to construct similar debt-based constructs that we have in the traditional economy. People will still lock up cryptocurrencies like BTC on the Bitcoin chain and wrap that in debt-tokens on chains that enable this, for example Ethereum. Bitcoin maximalists who don't agree with debt-based economy are obviously not happy about this. To better understand that point of view, The Bitcoin Standard by Saifedean Ammous is a great read, whether you will agree with it or not.