If bitcoin were to become the global reserve currency…

If bitcoin ever becomes “base layer” money for the majority of people in the world, would it ever require some kind of credit system to built on top of it for liquidity and other purposes (similar to how credit works today)? Or is that not necessary given that bitcoin is a ledger / credit system itself.

If additional layers (of credit) were necessary, would it potentially undermine bitcoin’s value proposition of a finite supply / being a hedge against inflation?

Sorry for the super specific question. I was doing a thought experiment on what the world might look like if hyperbitcoinization happens. I think I may be struggling to imagine a world where fractional reserve banking isn’t a thing, new money creation isn’t a thing, credit cards aren’t a thing, etc. (If I sound confused, that’s because I am ????)