Hi bluedog1,
Cryptos are not purely currency, although that is where they started. By far and away the most exciting developments are Etherium, Bitshare, Eos, Neo etc which are the future platforms that everything will be built on. These will be part of everyones life in the future in one form or another. Things like smart contracts, bio tech, AI, machine learning.
The big money may not be in Crypto Currencies,but in the companies that will enable the blockchain to become mainstream. i.e. the companies that build the next level of microchip, that will have the power and processing capabilities to match the blockchain.
The banks are trying to use blockchain for interbank payments. It'll work. But the KEY IS IN THE CENTRALIZED or DECENTRALIZED. A blockchain used by a centralized entity is a loss of its value.
Blockchain used by a decentralized entity is most powerfully using all of blockchain value.