This two somehow confuses the minds of the people who knew less about bitcoin. But for me, bitcoin will be simply understood as a digital currency that we cannot hold from our bare hands and cannot be used in the mainstream world for a daily spending. It has a big value than can be converted into fiat anytime we want to in selected exchanges and payout centers across the globe, from then we can actually hold the fiat/physical money that comes from intangible crypto currency.