Even Marx himself drew a distinction between capital and fictitious capital in 1864. I'm not defending real banks. I'm saying that my credit union is FDIC insured up to $250k of the same currency that I can buy bread with at any store. I can't deposit penis420coin in that account because it doesn't exist outside of a claim to ownership. That actual economy will continue to exist even if Penis420coin Inc. goes bankrupt, while any fuckery by that minter of the coin immediately destroys all of its speculative value. The US dollar is real because it's universally adopted and backed by the US military even if it isn't directly pegged to gold. Any crypto bullshit is only backed by the empty promise of the shadiest pseudo-capitalists out there.

Personally I stuff all my banknotes and coins under my mattress