What is "money"?

I'll ask this question again.

What is the difference between "crypto" money and "non-crypto" (fiat) "Digital Money" ?
In an electronic age all / most financial transactions are done digitally. (bar cash ones)
The bankers say bitcoin is for crooks..... yet crooks use cash also.
So the real difference IMHO is "ownership" of the system.
And the bankers don't own "crypto" ATM

But what is 'money'?

Simply a way to exchange "value", goods for services etc.
So what gives money "value" ?
It really is a "belief" system.
You "trust" that a dollar (cash or digital) can be exchanged / accepted by another person for something.
So what if "FIAT" was "fake", what if there was zero "value"?
Just a blind assumption of trust?
Then our whole financial system falls back on........what?
For thousands of years that "something" was gold.
Gold was the "benchmark" / "standard" that defined "value"
Once we have a digital transaction system (crypto) based on gold (value) then we have a new global currency that has "value" and is "transact-able" but has zero system ownership.
And it looks like it may finally be here, or at least not far away.
Any programmers avail for a quick project? :-)
(I've been screaming for this concept to become reality for 30+ yrs)