[hn_throw_1234]

Pretty well actually. There may be too much debt but debt is clearly a good thing.

Also don't forget if you want to save, to earn interest means you need to lend so at the end of the day you're going to need debtors.

[PKop]

Not with a finite currency. Hodling in your own possession gives you a "return".

And even with some sort of smart contract placing your Bitcoin on deposit (payment channels might achieve this. Committing your Bitcoin to a channel and charging market rate fees), there's no fractional reserve banking so at least credit/money supply swings won't be so drastic and we can avoid the volatility in the business cycle we experience with fiat currencies.