Technically it’s not “their money” but that’s just a term I use to refer to all things fiat because at the end of the day, even cash is govt issued and gvt controlled. Granted it gives you more financial privacy than plastic, & that’s definitely a good thing, but it’s still going to be worth less tomorrow than it is today. On chain btc’s biggest problem is that the on/off ramps are kyc’d and most people today grew up in a kyc world, thus they consider it normal, but your point still stands.