Why not? Of course it does matter. we should first know the characteristic of the item or a product that we would like to use in order to avoid further issue and problem that may occur. now in the case of bitcoin , id say it is a money because bitcoin is a digital curency that can be used just like money to buy stuffs And bitcoin is also an asset because it can also be used as a trading and an investment tool. however the only difference between a bitcoin and a money is that bitcoin can only be used online or with an internet connection while money is fully workable offline.