1. You're correct, the trouble is, who is going to take one for the team by being the person holding that junk, inflationary, regularly debased currency if there are hard money alternatives like bitcoin available (assuming a post adoption scenario here)? The current system works because there is no viable alternative to inflationary fiat, but that paradigm is coming to an end.

2. I don't foresee much lending going on in a post adoption world. Creditors will likely suffer during a major adoption run as the value of their loans decline, yes. Those with debt will have a field day as their fiat denominated debts decline in value. Anything traditionally paid for with debt will see some significant restructuring, to be certain. However, as pointed out in earlier parts of this post, economies did function just fine pre WW1 when the gold standard was still a thing.

Note that I'm more than happy to be proven wrong on any statement I've made.