In my opinion the three main properties of money are:
- MOE (Medium of Exchange)
- SOV (Store of Value)
- UOA (Unit of Account)
You are mentioning the MOE.
Part of this is because of Gresham’s Law, people tend to hoard good money (SOV — Bitcoin) and spend the bad money first (MOE — Fiat).
Because most people still use fiat as UOA, people also mostly use fiat as MOE. This is an ongoing process. For example, we in Switzerland have access to banking and all the other layers built on top of it like Twint, MasterCard, Visa, PostFinance Card and so on. But many people on earth don’t have easy access to banking. They will probably adopt Bitcoin as MOE earlier than we do, because they do it out of need. We are privileged. The CHF is one of the best fiat currencies on earth.
If you understand all facets of money, you will naturally come to the conclusion that Bitcoin is the best form of money humanity has ever had.