Debt/credit ≠ credit-based money. Debt in bitcoin may be used to fund some projects in some cases. Just like gold could be lent and repaid back in the day. It’d be done based on trust, reputation, and risk tolerance. But it’s far harder to repay in real terms than fiat so its role shrinks relative to now. Today’s phenomenon of all the debt BEING the money we use? That’s served its purpose (i.e., accelerating large scale capital coordination) and is on its way out.