The same is with dollars. I don't have a bank loan nor have I issued a bond to get dollars from the FED so I don't need dollars to return them to the US banking system. But masses of individuals and companies, the same as the US government, do need them.
Sure, it's like this: Bitcoin shares similarities with traditional currencies. While you might not personally own Bitcoin, there's a large network of individuals and businesses who do, and they've collectively established a standard for using it as a form of currency. Bitcoin possesses qualities that make it attractive for people to use it as a currency. What's your problem in this?
Literally every issued dollar is someone's debt.
If the central bank suddenly becomes corrupt and creates $1 trillion out of thin air, what debt backs up these newly printed dollars?
Regarding the second. What happens if the corrupt government destroyes people's houses in a war? Does that mean houses in general don't have real value? So, your logic is pretty flawed.
Houses in a country at war aren't worth as much as those in peaceful countries. This supports my idea that value is subjective and can change anytime. Nothing in life has a set value that everyone agrees on. But you act like the US dollar will always represent the exact same value.