There is no difference in the end. Is just promoting the use of shitcoind, stablecoins, fiat. Because who is borrowing is taking a form of fiat (stablecoins are fiat), no bitcoin. It's impossible to borrow more bitcoins with bitcoins as collateral.

So all this crazy shit of lending is actually keeping alive fiat.

Bitcoin is the way around of anything is fiat. You save more bitcoins if you want something that cost you more than you have. There is nothing wrong with that. It incentive people to save and do not spend on crsppy things.