This seems really reductive. USD in a debit account would rank pretty highly on that gradient, and yet for many purposes it is totally useless. I would propose

This seems really reductive. USD in a debit account would rank pretty highly on that gradient, and yet for many purposes it is totally useless. I would propose a diffuse cloud of uses, with different assets filling them out. More like a long tail than a gradient from “useful” to “not useful”.