Exactly, also paper currency was once a derivative for gold and most scholars are unaware that it is no longer the case, so there is a disconnect between the understanding the current monetary system and islamic financial education. The thing is Most people will focus on gold if you say fiat is haram. They correctly recognize that gold can’t be used for transactions in today’s world so they will conclude that fiat is a necessity which is interesting because bitcoin exists. Understanding bitcoin becomes obligatory, if it means staying away from riba. if you live in a country where you can actually live on a bitcoin standard (have some gold if you want) then the issue becomes bigger than it being just being halal.