How would you go about doing this? As an example, if you loaned someone 167 monero to buy a car and expect them to pay you back in 7 years like a bank does you would be requesting 167xmr*6.02% (to counter xmr inflation) for a total of 177.053xmr. 177.053xmr/84 (months in 7 years) would be 2.107xmr a month. At the moment that is fine, but if the usd price of monero rises and the borrower is being paid in usd then they are going to default and you will loose the xmr. The only way I could see to counteract this would be to lower the Monero payments per month, but then that would take even longer to be repaid.
Something makes me think that crypto will be used even in a world of CBDCs. Primarily because it’s still highly divisible. It’s hard to pay in gold because it’s heavy and amounts useful for paying things would be untenably small. One gram of gold would pay for my internet, but would be serious overpayment for my Starbucks latte.
Edit: off chain gold i guess. I give starbucks 1 gram of gold and they give me lates the next 15 times i come in. (Prepaid accounts)