It's quite simple actually, when you are using a currency, you are not actually using "your own money/dollars", but you're actually using an amount of value that is abstract, but the value of that abstraction is actually shared by all the currency holders concurrently.
The value that your currency holds while you own it is based on the current market rate and is inherently tied to everyone of the currency owners. (It is true that yes, other commodities also work via market forces, but they're inherently different as they aren't abstractions and have inherent value to them.)
To not get into the weeds, your rights end when your actions start to affect other people, so limitations on how currency can be used are put in place.
Using a shared currency is a type of social contract that you bind yourself when using it. Society has over the years observed how shared currencies work and set limits on the freedom of use to limit abuse.
And to drive the point home, governments have seen that cryptocurrencies are used for abuse, so they're making steps that limit your rights to exchange their currency directly to crypto to inherently decouple their currencies value from their currency.
To get around this, you'll have to convince your employer to pay you in commodities and you to sell your physical items via cryptocurrency. Like how traditional currencies were originally designed to do. The market for exchanging physical goods or other services set the rate for a currency.
But unfortunately the inherent unregulated nature of crypto made it ripe for abuse, also the unregulated and rampant speculation of the value made it infeasible to use as a traditional currency.
TL;DR: Currency is a type of social contract, your rights end when your actions start to affect other people negatively.
Also, an important sidenote, that is unintuitive and very hard to internalize:
When quantifiably making profit via speculation, someone else is strictly losing value. This can be a major contributor for inflation.
The value that your currency holds while you own it is based on the current market rate and is inherently tied to everyone of the currency owners. (It is true that yes, other commodities also work via market forces, but they're inherently different as they aren't abstractions and have inherent value to them.)
To not get into the weeds, your rights end when your actions start to affect other people, so limitations on how currency can be used are put in place. Using a shared currency is a type of social contract that you bind yourself when using it. Society has over the years observed how shared currencies work and set limits on the freedom of use to limit abuse.
And to drive the point home, governments have seen that cryptocurrencies are used for abuse, so they're making steps that limit your rights to exchange their currency directly to crypto to inherently decouple their currencies value from their currency.
To get around this, you'll have to convince your employer to pay you in commodities and you to sell your physical items via cryptocurrency. Like how traditional currencies were originally designed to do. The market for exchanging physical goods or other services set the rate for a currency. But unfortunately the inherent unregulated nature of crypto made it ripe for abuse, also the unregulated and rampant speculation of the value made it infeasible to use as a traditional currency.
TL;DR: Currency is a type of social contract, your rights end when your actions start to affect other people negatively.