Paper money already was a level of abstraction above the physical assets like gold and silver. The problem with paper money is that it can be devalued very easily.

You are also not going to have a say about paper money getting banned in the coming years. You'll have a choice between different digital currencies, most of them centralized and some that are not.

Gold and silver are already a level of abstraction over the things you are buying with them or selling for them. Gold and silver's value as commodities have little to do with their values as useful for anything practical, although gold happens to have become useful for electronics.

The point isn't that there is a level of abstraction, but the kind of abstraction. The abstraction of paper money as opposed to metals comes with the potential for abuse through unrestrained printing.