In reply to kennycan.

Several crypto currencies are set up with (what seems to be) an honest intent of being a practical, low-cost medium of exchange.

The problem is that it's almost impossible for Joe Consumer to tell the difference between an (intended to be) honest system and a from-the-ground scam system. Add in exchanges and other intermediaries and the puzzle becomes worse. Add in technical errors creating vulnerabilities, dishonest individual employees, and state actors working to discredit crypto currencies and it's an impossible muddle.

Go ahead and get small amounts of crypto currency if it's convenient for purchases or to support content creators. Go ahead and speculate if you're inclined, but never with more cash than you can afford to lose. Don't get in any deeper.