Because of it's scarcity, Bitcoin is subject to massive deflation. People will be disincentivized to use it as standard currency. However, the offshoot Bitcoin Cash will probably be a more practical iteration of Bitcoin that can be used for mundane purposes. Other currencies, like Ethereum and NEO will change the way money is exchanged and smart contracts are conducted over the coming years and it will be interesting to see how they may affect loan transactions. I'm going to be investing in these coins.