Yes, I would agree with that. It's more just lending to the point that most people I see getting swept into crypto think its an end all solution. When really it's just the start and a new one. With BTC being simply a means of exchange. Which could be done in crypto, fiat, or even sticks of chewing gum, if that's whats agreed upon. (which is a real example from eastern Europe in the late 90s.) Now, this isn't to say that all crypto won't hold intrinsic value. . some may be pegged to specific commodities, gold/silver. or some other tangible asset. ^.^