The point is that when there's liquidity smoewhere (on an exchange), any security have "de facto" act as a "money", or at least a "saving account", because there's always at all an actual value defined by the market. whether it's stock, crypto etc... It doesn't have in practive to be tied to a central bank / governement. Even historically, currencies have existed well before someone tried to regulate them
Did you miss the last 47 threads where people discussed the real world goods and services they purchase with cryptocurrency?
Cryptocurrencies do not share this property. They are zero-sum, which is a hallmark of a Ponzi scheme.