While your direct point is valid (for the US), you're missing the general point. Money can be tied to life changing/life threatening events or situations in ma

While your direct point is valid (for the US), you're missing the general point. Money can be tied to life changing/life threatening events or situations in many more scenarios. The archetypal scenarios are people losing college money, retirement savings, downpayments for their kid's apartments/houses, etc. There are many ways in which money is very, very real. Anyone who still clings to this "fiat" thesis is just detached from human reality.