so then i have a usb with internet money which i can use as a replacement for fiat or metals

seems like the only advantage is the size, if you want to smuggle a load of money then maybe thats a good ideas but for pretty much every other imaginable situation there is better options than crypto, also a hell of a lot less volatile

if you want it as an investment thats just buying in to the ponzi scheme, its only going to go up in value if more people buy in, you then would likely try and push other people to do the same so the price goes up and you make money, which is very common for ponzi schemes, they believe its a good investment too, after all they got rich from it, got in early and just waited, or maybe they buy the dips and sell the peak, they are making bank but that money is not coming from thin air, for every dollar you make someone loses a dollar

the only reasons to buy crypto are:

1. you want to invest in something that can make you a lot of money quickly 2)you are a millionaire and you need to flee your country with your money but for some reason cant use off shore banking but can get piles of cash to buy a usb containing crypto 3)buying illegal stuff on the internet, which can be traced back to you by determined alphabet agents and AIs