Ah, I think I see where our interpretations of Saylor differ.  I think Saylor was trying to make a distinction between "risk-free" yield in fiat - which as he said "isn't going away in the next 10 years"; and an eventual non-fiat Bitcoin standard future.  (I think he was having difficulty clarifying this distinction because they were talking past each other so much).

I believe Saylor's overall point was that there will always be willing borrowers and willing lenders of capital in exchange for a yield (I agree).  In a fiat world that offers cheap money backed by a money printer, I agree that borrowing and lending 'risk-free' fiat will likely continue to make the most sense.  However, as the world moves on to a Bitcoin standard - and pricing BTC in fiat terms becomes obsolete - borrowing BTC subject to counter-party risk will become normalized.

It seems Saif's position is that in this future, otherwise would-be lenders would necessarily receive shares of equity in exchange for their capital rather than yield.  I don't really understand how that would work for someone who just wants to buy a car with capital they haven't yet acquired.