Your understanding of credit is incorrect.
Money is simple, loans are simple, credit is simple. There are many different types of monies, each with their own components, schedules, terms, deliveries, liabilities upon breach, varying degrees of underwriting, and timing behaviors for when underwriting and associated tasks are done in part, in addition, in full, etc. Defining credit as pull in a push-pull framework to contrast against cash is a child-like reduction to absurdity. Crypto currencies themselves have their own rules, deliveries, schedules, timings, and underwriting, with significant automation for the basic-set use cases of banking, effectively acting more closer to a giant bank with automatic delivery, 10min reconciliation, no loans, no credit, with both intrinsic self-teller and network state reporting, with its own downsides and dependencies. Again, reducing crypto to push in a push-pull framework as a form of cash-like thing, would be an act of absurdity. There is no magic here, but there are lots of people who use currency and number systems, who simply have no chance of ever understanding - they are unable, un-afforded, and should be excluded from participation and speech. The reason is simple: all number abstractions, regardless of mechanics and machines, require a numerator to be dimension'ed against denominators, and those dimensions to be tracked, maintained, and committed as underwritten memory, thus facilitating appropriately appropriated numbers to wealth + work + resource under dynamic regions. In other words, as the memory grows, some subvert it, because they cannot remember, as well as deliberately choose to violate the rules to alter number-memory-worth networks – and this is the above-average case (the average case adding the fact that those who's might is perpetually dependent always loose against whites, etc).
Such a full picture is not possible to construct and maintain on a basket weaving forum, so you'll have to fill in the rest, and work on your own understanding. Regardless, go back to the drawing board, and draw again. Push-pull is stupid.