What happens if they money was someone else's means to pay for their health care?
Money is made up - that doesn't mean it doesn't have consequences.
Money is made up - that doesn't mean it doesn't have consequences.
Money can be tied to life changing/life threatening events or situations in many more scenarios.
The archetypal scenarios are people losing college money, retirement savings, downpayments for their kid's apartments/houses, etc.
There are many ways in which money is very, very real.
Anyone who still clings to this "fiat" thesis is just detached from human reality.