Both of these assertions are false.
The dominant form of money is credit, and it serves both functions well - except it is a medium of exchange for YOU and a store of value for SOMEONE ELSE.
The "someone elses" are quite powerful, and their power grows every time someone swipes or taps to obtain goods or services.
Yes, and 99.9% of the crypto fanboys seem to think the central banks, money center banks, credit card companies, etc. are just going to rollover and cede all that power, profit, and control with a whimper.
Reminds me of those Shark Tank episodes where Mr. Wonderful (Kevin O'Leary) reminds some entrepreneur upstart that the only reason they have been successful so far is that the big players in the space don't consider them competition. If and when that moment ever arrives, they would get crushed like cockroaches by the big players. Same holds true for ctyptos like Bitcoin.
Bitcoin will be worth a fraction of it's current value in 2 years.