Fiat money is still considered not worth digital because of the habit of transactions / inbestasi general way.
You can send fiat to someone with the use of phone, computer and other online device that support fiat payment, even ATM machines are online payments. I do not see any good point about you saying fiat do not worth digital when it is actually can be used in digital way, I meant the electronic fiat transactions.
We all know that fiat are not increasing value like bitcoin but they decrease blaye, but that does not mean fiat are not digital.