So let's summarise: On the one hand, you are saying that money is an asset, and at the same time your bank deposit is completely immaterial. This raises the legitimate question why anybody should accept your completely immaterial bank deposit as payment against valuable goods and services. So please choose which of the following statements you agree with:

• The value of money stems from its useful functions (standard of value, a medium of exchange and a store of value)
• The value of money rests on a social illusion
• The value of money stems from its association with production