Question about Michale Saylor’s Bitcoin Strategy

I was thinking about MSTR and what Saylor is trying to build. His company is a bitcoin treasury company that wants to transition into a bitcoin credit company in the future. Isn’t this technically a form of “centralization?” I just want to know how exactly will he be using bitcoin to issue credit for the world. This doesn’t affect the actual asset holders who actually own bitcoin but for the people that don’t, how will this company work? I could’ve done my own research but wanted to ask the people on here who are more informed than I am in this topic.