You go round in circles. There are no monetary transactions. Transactions are done with assets. In crypto, a log is updated - which manifests in changes of numbers associated with addresses. It is mind blowing how you crypto people talk about some magical asset but you see with your own eyes that it doesn't exist.
You're skirting around the problem that your framework is inconsistent and that by your very definition stocks like VISA or PayPal would fail to be assets beyond the physical buildings they inhabit.
Visa an PayPay balances are assets because they represent fiat money. Log updates that you Bitcoin holders make represent nothing. So your comparation failed.
What is crazy here is how many nonsensical excuses are you crypto people capable to come up with just not to admit what you see with your own eyes.