this is how free market hard money interest rates arise - through the combination of the amount of reserved money being used for lending, versus the rate of failure of loans, it's pretty simple math to come out with a living from it, but it is risky at first until you get a measure of your default r...

The difference is that you don't easily lend money that you can't print at will. Lending under a bitcoin standard will involve much more due diligence, possibly the lender would almost always prefer to be an investor instead