Although not using my crypto and just holding it, I like the idea of getting a loan backed with crypto such as hive instead of spending it. If the fiat system starts to collapse I am sure crypto will increase its value way fast.
I'm not into loans but I guess it could work. I just see some value in holding Hive when the prices are low, powering up to make more in curation too. I wonder how many of these people are going to regret not holding some when prices double, triple and quadruple. Their loss, I and others who hold and build will have plenty.