Earning yield on Bitcoin, even with a fixed supply, is possible. 
Austrian Economics shows that lending and borrowing happen naturally due to people’s time preferences. Interest rates adjust based on supply and demand. Lenders offer Bitcoin to those who need it. Borrowers pay interest for access to it.
Defi platforms, like Thorchain, promote transparency and prevents inflation due to smart contracts. Because of this, personal responsibility and voluntary interaction are needed. 
Banks use to be the only way for capital markets. 
Not anymore. 
Rare Passenger / block height 862 340