What about Pokémon cards?
Discussion
that's just a solid investment obviously. joking aside, it's hard to buy a house with nothing but Pokemon cards.
My point is - value is subjective. For you, it might be only in physical things, for others it might be something else.
The function of the money has value by itself. Some things serve this function better, and then get monetary value premium, some worse. And this perception is subjective as well.
I'd just argue that I can see more money-utility in fixed amount of digital tokens that people largely hold in their 'wallets' than the levered debt instruments we're forced to custody with 3rd parties.