Some people argue that something cannot ever be considered as money if you cannot get credit through it, so for example you want to buy real estate and you need a loan, this needs government approval. How can Bitcoin ever reach that point of acceptance by a government if ultimately Bitcoin is disruptive against all states and governments? Or can Bitcoin be money even if it can only be used as a gold substitute?
The characteristics of money are well known to almost everyone in the forum and I have yet to see one instance in which being able to give credit was part of any definition that I have ever seen, second loans do not need the approval of governments, do you need to get permission of the government to lend 10 dollars to your friend? Banks face regulations regarding the interest rates they can charge and several other factors, but they do not need permission from the government.