I would not worry about the speculative fact. Yes i thought also about that, but think of completely new people, like moms and dads, regular people who would never think of speculation. If they get in contact in their favorite coffeeshop, super market and find it useful it could be wonderful to get all the people in AND they get the right perspective from start.. to use the currencies, tokens for it's purpose.. I love companies like Pundi X because they are the bridge builders to the physical world which paves the road to real mass adoption long term because we as investors are a miniscule percentage of the population.
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Do you know you can get paid for your steemit blogs in which you review Cobinhood? https://steemit.com/cobinhood/@starkerz/is-cobinhood-undervalued-get-paid-to-review-oracle-d-first-challenge