I think a bitcoin economy in stablestate would have about the same amount of lending as a gold economy under the gold standard. There is enough history during gold standard periods to have some idea how this would be.

https://en.wikipedia.org/wiki/Gold_standard

These times weren't perfect, but no time ever is.

In short there would be less lending than under fiat with MMT, but certainly not zero lending. On the plus side, much more stability, and no hyperinflations, ever.

Seems worth it to me.