Here, let me try, because fiat currency actually is wonderful when you think about it. It is remarkably stable over the short to mid term; you will always have a sense of knowing how much you can buy with a given amount of money. So, it is a fantastic unit of account. Fiat money can be completely anonymous if you want, and it is reasonably easy to store and secure. You can have it in many other forms as well, and some of them are even instant and offer you insurance and consumer protection. If you store your money in a bank, at least in the US and the eurozone it will be insured by the government! Plus, banks have a great degree of physical protection so you could even store cash with them in a safe deposit box. There are brands of fiat money like the US Dollar and the Euro that are traded worldwide and you can buy almost ANYTHING with them, at any time. Definitely the best medium of exchange on earth! You can convert them into stores of values if you don't want to spend anytime soon.