What is non fiat having ass motherfucker?

A cryptocurrency maximalist who is often without fiat currency. Therefore, this individual is almost always unable to pay bills immediately and requires to first covert cryptocurrency to fiat currency.

John - “I always have to pay for your tab. You never have money”
David - “I’ll covert some crypto and send it to you later”
John - “You non fiat having ass motherfucker!”
Washington - “sheeeeeeeeeeet”

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non fiat having ass motherfucker - video