If the point is to be money though, it seems like you would need a token

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Yeah, maybe the world will always be 100s of different currencies. I think there's many digital currencys better than fiat, but wish for something more simple for merchants and people buying or using apps.

I think of it this way. BTC a currency on a chain with the most trustlessness where you don't worry about value dropping because a newer/better currency was just released since the value aspect is good as it gets, but just doesn't scale. I think people just need trustless payment solutions.

Could maybe have a token for a sort of governance purpose/ mining incentive but I think the future is more fun for users when that's abstracted and they don't need to buy such token to use it.