There are things I could not quite understand in your post. Firstly, why would you not invest in Bitcoin when it is stooping down low so that others like you could enter and join the great ride? When do you think is the best time to enter, when the price is already recovering? You might end up an additional statistics to the huge number of people who have already expressed their regrets in entering the Bitcoin train much later.
I don't know what you mean by Bitcoin loans as the primary currency. And then what Bitcoin imbalances are you talking about? There is no such imbalance the way I look at it.