People use a medium of exchange that is not credit all the time. However, this medium of exchange exists. That's the whole point. A thing must exist to be able to be exchanged. Bitcoin doesn't exist so there's nothing to exchange.
And I repeat;
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.
What's your problem if people choose to do that?
You're again talking nonsense. People don't agree that the ladger is satisfactory, whatever that means, but to have numbers stored to their address. And they do that because they falsely believe these numbers quantity a digital asset called bitcoin. They believe so, because thay accepted Satoshi's paper at face value. Or because they fall for false narrative and misleading information spread throughout social media.