To your second point: I'm not convinced that that is true. If inflation is predictably 2%/year, you'd expect that to be priced into the interest rate on loans.

To your second point: I'm not convinced that that is true. If inflation is predictably 2%/year, you'd expect that to be priced into the interest rate on loans. A bank selling a loan would pass the inflation cost to the borrower by increasing the interest rate appropriately.