Money can be whatever resource that provides utility to people.
You're the only person left who still doesn't recognize at least
one utility. Meanwhile, we're enjoying benefits that are otherwise impossible to gain.
Benefits such as:
- Internet privacy
- Cheap transaction fees via the internet
- Nearly instant transaction settlement via the internet
- Censorship resistance in electronic transactions
You don't gain any of those in fiat. That's why it's valuable. That's what we're all years now purposelessly trying to tell you.
These aren't benefits, but concepts created by the imagination of participants of Nakamoto scheme. There aren't any transactions in this scheme. A transaction is a transfer of a resource, and it is the resource what provides utility to people. Nakamoto scheme transfers numbers, not resources.