I think many people are still attached to the idea that money is "a thing" you can have in your pocket. When people argue that cryptos are different from fiat in a bank account... I think that's really what they are trying to argue.

I think about Denmark (even though I no longer live there) and how many banks now are "non-cash." You can't even DO anything that involves "money" there, just services. And there's no such things as checks anymore, nationwide.

So really, we're getting close to the point where the only real distinction is "centralized" or "decentralized."