The asset class gets bigger, more liquidity so less vol, so people don't need to have have so much spare collateral in case it rips down like 50%, specialised institutions that focus on a use case, home loans, car loans etc. 

the more options, the more we can figure out a market rate for loans in each sector, IE 3% for homes, %5 for cars etc 10% for short term loan and also from a tech stand point escrow services that can support on-chain, lightning etc

TheBTCManual

brandonsbytes

bitcoin

deleted by author

Lol hate to say it but with everything it depends, if you've got a large enough stack that you could pledge and have left over for collateral and you need the liquidity or its cheaper to tap into it than other financing methods yeah makes sense, but right now theres a lot of counter party risk with the platforms available

Sure you can try to do something on-chain like P2P lending but that comes with its own complexities and limited liquidity that might not meet your current needs

I think the space has to mature a lot more before we see a competitive market for products like this