I'm not sure if you both even know what you are talking about...
To say physical money is created out of thin air is nothing short of ignorance.
If it were, you'd see governments all over the world just printing money out like so
God almighty. Talk about uninformed.
Crypto is the new system. It will be implemented. You can adapt and profit, or be forced into it later after a banking crisis.
The fiat system, which is basically money by decree, is backed by nothing. Zip. Zero. Nada. Bupkis. The phrase "full faith and credit" is used a a lot.
You obviously don't know what inflation is. It's not "Jeepers, my laundry detergent is is 10 bucks now. Prices sure do go up!"
Inflation is a gargantuan swelling of the money supply. BY DECREE. BY FIAT. Print print print. Fractional reserve lending, the debt ratio stacking up so high it becomes lopsided and the currency breaks.
What you don't know is that the global central banks are owned by a private cartel of "elite" banking families that own the assets of the planet. It's a club, and you ain't in it.
The Federal Reserve here in the US, for example, LOANS money to the US Government at interest. Every dollar created out of thin air, has debt attached to it. That is toxic.
Crypto, though not tangible, I agree, is not debt based. Their quantities are finite. BTC, 21Million. LTC 86 Million. No inflation. Proof of work (mining) is needed to create the coin, and the open ledger prevents fraud and double spending.
Banks as you know them will not be needed, unless of course you acquiesce to the cryptos THEY WILL ISSUE.
Debt is the same level of slavery as being unarmed. Governments love that shit. Keeps you on a short chain. Allow neither in your life.
Can 't stop the signal, buddy.