In the beginning they created banks to keep money and valuebles safe... Then they saw the opportunity to loan people money, from the money stored by other people, and they charged them interest for doing that. {It's not their money.. they doing it with your money} Then the "stored" money was not enough to cover the need, so the reserve banks started to print "Monopoly Money" ... and everything went south from there...
So will BTC take the same route? { 3rd parties like BTCJam take investment BTC to borrow to people, and when the investment capital runs out, they cook the books and they start to borrow BTC that does not exist }
In the end, we have the same problem we have with the banks. {Money being borrowed, that are only on fake 3rd party ledgers}
I am not sure that is what happens.
You see with banks, when you get a loan, wehether in cash or cheque, that money will end up back in the bank.
That is why they can exploit it.
With BTC, you cannot do that.
You cannot miraculously make Bitcoin appear in your bank.
You either got it to lend it out, or not.