Bitcoin was fundamentally designed to be decentralized money, a currency for the masses to replace fiat counterparts such as the USD, but it has failed at this due to community consensus, but it has evolved into something far more rewarding: a store of value, because the system is literally designed to encourage long-term storage.
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As I have always done, I will now simply state that Bitcoin's status as a store of wealth will only result in a centralized supply distribution. Of course, that wouldn't signify much because Bitcoin is pricey and anyone purchasing it is taking a big risk. Going forward, it is a miracle of our time that Bitcoin's mistakes have become the driving force for its incredible growth over the years.
When individuals discuss Bitcoin, they frequently claim that its rise is due to network effects, a phenomena in which a good or service gains value as more people use it. The topic of discussion today is comparable to "network effects," with the exception that it isn't always connected to the overall rise in users but rather to the rise in individual transactions.
The value of Bitcoin increases with the number of transactions you perform. Simply using Bitcoin makes you want for it, even if you aren't aware of it right away.
Consider a company that receives millions of transaction payments, each of which is worth $10 or less. It would be extremely expensive to liquidate, thus adopting it would not be worthwhile. Businesses might choose to employ lightning payments instead of receiving bitcoin onchain, or they could take out loans secured by their income to avoid the fees.
Both situations contribute to the growth of the lending market because, even if lightning payments are implemented, you will be indirectly collaborating with organizations that can manage long-term exposure to Bitcoin, which can only be accomplished through low-interest loans that enable them to purchase Bitcoin and enable off-chain payments for different companies.
The idea that the future of Bitcoin entails growing the loan market, which raises its price, is just crazy.