I thnik you are just discussing semantics. The hard cold reallity is that what people massivelly get and trade is fiat. We are trying to convince them to change to btc to protect their wealth because we think fiat will sink and btc will rise.

But, to protect your wealth there are other means that only time will say if they are better or worse than btc (even if we are convinced btc is the way, we can be mistaken) like shares, gold...

So if anyone is anyone wants to look for a way to protect its wealth switching from fiat to any other thing (including btc) he must have a minimun uderstanding of what can go wrong