Of course it matters. If you "exchanged value" with someone in return for bitcoins three months ago, then approximately 90% of the value of your transaction has disappeared (whether lost by you, or someone else you passed the coins onto). Unlike hyperinflation of currencies backed by governments and banks offering interest, the only way for you to have retained value received in bitcoins was to dispose of the bitcoins in favour of something else. So after getting burnt by a lot more than Paypal exchange fees, you probably end up converting to a government/bank backed medium of exchange anyway. That's not dysfunctional?