try spending a substantial amount ($10k) fiat via a bank account without the bank asking questions.
you do not own FIAT. they are just letting you handle it under their licence terms
try crossing a state/country border with $10k see how much FIAT you get to own without question
I was watching a series about debt collectors in the UK the other day, and they knocked on the door of one lady asking that she cleared the debt right away or they'd start removing goods. She asked them to wait and went to the bank. Came back minutes later saying that her withdrawal attempt triggered some scam alerts in the bank. She had to call the police to her home, to confirm the paperwork the bailiffs had, go with her back to the bank and vouch that it's not a scam. Even when she did all of it they didn't allow her to withdraw the full amount! And the best part is that she was only asking for £10k of her own money, deposited on a personal account.