There's a worth to that. If only what you say was true. Most people who own it don't use it as currency. They can't really use it as currency without paying

There's a worth to that. If only what you say was true. Most people who own it don't use it as currency. They can't really use it as currency without paying a middleman. It may be finite but anyone can create their own. Trading crypto requires complete trust in unregulated exchanges who set and manipulate prices. Even p2p trades are based on prices set by these exchanges. Most exchanges create their own "stable coins". These unaudited and unverified coins can easily be used to manipulate the market. In the real world, this is called "fraud". For an example of the possible results, see TerraUSD which wiped out $42 billion of user funds.