We see things differently, therefore, you'll have to answer me the following, otherwise you're wasting your time in this forum: Can people use a medium of exchange that is not credit? 'Cause if they can settle transactions without debt, there's no problem on using a currency that doesn't represent anything at all, such as Bitcoin.

As long as they agree that the ledger is satisfactory, they can use that one to deal with, even if the ledger represents things that don't exist tangibly and only have a unit-representation.