In any form you have your assets, a risk is involved. It is an individual’s choice to manage those risks.
Physical coin or paper currency is subject to theft, loss, or destruction.
Electronic funds, via credit card or checking accounts, can be lost by identity theft or forfeiture.
Fiat currency is subject to inflation which is comparable to theft.
Self-issued credit is at risk that the issuer may lose value or disappear.
When there are multiple issuers a portfolio can manually or automatically distribute assets between issuers to distribute risk.
With a large number of issuers, the complete loss of a single issuer every year would be typically less than what is lost due to inflation.