Fiat Currency is never Money; why don't people get this!
Electronic 'money' (mostly of fiat currency) is not cash, because most of all of it was counterfeited from fiat currency physical cash via the hideously evil (state allowed!) Ponzi fraud of (recursive) fractional reserve banking, with never fully payable interest attached i.e. recursive Usury.
All Electronic 'money' in an account, not like BitCoin, is a loan to the holder and often loaned out via fractional reserve banking, so not as safe as physical cash! Electronic 'money' is a trap to trick people into accepting surveillance, encouraging cash be used less or not at all (the banksters hope), to make it easy for banksters to do bail-ins (steal your currency), to pay off their gambling debts and pump increasing wealth to the very rich!
Fiat currency is only a shared illusion of value backed by a promise ... of state gangster violence, usually if you don't pay your Taxes ("Protection Racket") with it; it is ridiculous calling it money!
BitCoin is closer to money than fiat currency, because the quantity is cryptographically limited, but isn't money or a proxy because it has no physical value backing it, just cryptographic based faith.
Real money is a _physical_ store of value (e.g. Gold and Silver *, not worthless paper or bits) and it's value can't be eroded, unlike fiat currency inflation (fraudulent increase of quantity) reducing its value.
* Gold and Silver are not useless metals, they have growing industrial and medical uses which will constrain any new quantity from mining, and you don't need huge amounts for use as money, despite the BS spread by many economists, because the price of goods will adjust.
I try to keep most of my value outside the Fiat Currency banking system because I know it is a Ponzi scheme.