Isn't it by fact money that you don't really own? It's virtual. At the time you have these numbers "related" (and nothing more) to your "account" there is no real, existing value in your possession. You only REALLY have any capital, if your transact into mainstream currency.
It's like charging you at the air port for holding microsoft stocks.
Or am I missing something? I don't think it suceeds.
Crypto is definitely an asset that you own and is regulated either as a commodity or as a currency depending on where you live. But you are correct that it is ridiculous and similar to asking you your bank account balance.