in my opinion, the most valid argument againt all the crypto, including btc is safety/security.
Too many scam, too many theft and, different fiat coin, there is no way to recover it.
Fiat money can't steal by a virus/malware..
Yes you can.
Debit cards getting skimmed is a common method.
It's just that your bank has insurance to pay it back to you, but that insurance is basically 'socializing the losses' and we all pay more in fees to cover those losses.
Fiat currency also gets counterfeited which is sort of like a double-spend.
The central banks have no actual way to stop it, except to design more complex notes to try and make it harder to do.