My take here is that commodity money theory is simple and robust. It doesn’t require constant tinkering and rulers to facilitate trade. Bitcoin absorbed this philosophy imo.

Credit money theory on the other hand is an obvious inspiration on Eth heads.

In regards to your question about lending and borrowing, I won’t be able to explain this better thank @LynAlden did in @stephanlivera ‘s podcast: https://stephanlivera.com/episode/518/ 

 Oh I see, they are quite different that way. Thanks for the link - you’ve genuinely piqued my interest on this question, and I’m sure Lyn will help me understand.