My own personal opinion on cryptos is that they are a tentative by some GAFAM to overtake banks at their own game, considering that as actual "fiat" money cryptos are "virtual values, substrate of anything" witch appear to be free but due to their mechanics are bound to network and computing power witch means to some IT-enabled subjects, so in practice as free as fiat currencies these days for their "end users", and "a bit more free" for "real owners".

However as any "money" concept rooted on "money is the value" instead of "money is just an unit of measure of some substrate" are no more scam than actual currencies, should face the same fate anyway.