Better invest in crypto. They at least requires some work. In a case of fiat, they can be drawen easely.
To me, electronic money considered as a significant asset and it contains all of the money in it, there are many wealthy people created from Bitcoin, and I wish that soon there will be many wealthy people. More from Bitcoin, there are so many poor people in the world, these virtual coins help them to live a better life.
Honestly, Electronic money does not mean it is a concept for Bitcoin. The government just called Bitcoin with this name while they do not have enough knowledge about history growth of cryptocurrency. Why do we call Bitcoin is cryptocurrency? The government have to find answer for this issue first.