Strike loan

So I open Strike today and see that they are now offering Bitcoin collateral loans.

Unfortunately for plebs like me, the minimums are out of my range. I was hoping for something less, like a typical short term loan. I would then use them instead of a bank if I needed a loan. Not really a big deal because I'm not in the market for a loan currently but I would have liked to have had the option. Unfortunately I'm not even close to being in the ballpark. ????