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Obviously words are a matter of intersubjectivity; we can only understand them from their use, so anything can be money if enough people call it that. If you want to understand why cryptocurrency is not a financial asset, that's because it's not a liability of its issuer. And of course, cryptocurrency is not state money because you can't use it to pay taxes. It seems to me to be most like a sort of nonconsumable commodity, which is strange enough.