They’re not legal tender, not at all commonly accepted, and anyone accepting them (mostly in tourist areas) will charge an exchange fee because nobody’s going to take them as payment for their bills.

They’re all the same as casino tokens though, because they don’t have an intrinsic value, like for example an ounce of gold.

• Fiat represents the trust an issuing bank has in everyone trusting it at a faster pace than the expiry of its loans.
• Casino tokens represent the trust a person has in the casino paying out when getting the token back.
• Crypto represents the trust in that someone will want to exchange it for something in the future.

Since the end of the gold standard, economy has been running on trust (aka: credit). These are just different representations of that.