That's a bummer, loans still make sense in a fiat world where you want to avoid the tax implications, but it looks like the operation chokepoint is going to kill that, or you have to be part of some special crew once the dust settles, like a regulated bank to offer these services.

I guess the options are to start a small company if you want to go this route or use a P2P lending service like hodlhodl. Which to me is a good thing, disrupting the risk and making dealing with peers more common.