Unless conversion is instantaneous, they all need to store wealth. From the time it takes for you to get your salary until you spend it for example. Inflation

Unless conversion is instantaneous, they all need to store wealth. From the time it takes for you to get your salary until you spend it for example. Inflation guarantees that your salary is worth less when you spend it than when it was paid to you. If inflation is high enough for you to worry about it, the solution would indeed be to convert it as quickly as possibly to something that is better at storing value. At some point, people might start trading the thing that stores value really well and just retire that constantly depreciating currency.