Your point of view is very interesting friend @mykos, basically your main argument, correct me if I'm wrong, so as not to consider cryptocurrencies are:
1.- The inexistence of a legal regulatory framework.
2.- The fluctuation of the value of cryptocurrencies.
The guarantee regarding the use of crypto assets, in this environment is not regulated by laws, but by smart contracts that process operations, as long as the conditions established there are met.
Now, if you are concerned with the reliability of the cryptographic projects themselves, the guarantee is certainly given by the perfectly visible and auditable transactions that are carried out on the blockchain.
The speculative problem, in my opinion, is solved with the generalization of the use of cryptocurrencies, if the number of tokens is diversified in a greater number of hands, it is more difficult to be able to do the market manipulation that many whales currently carry out, but without As investors participate in this market increase (in number), it is very difficult to end monopolies.
The cryptographic market works in the same way as the stock market, forex, commodities, etc., only that having fewer investors makes its manipulation easier.
On the other hand, if you and I agree and accept to exchange goods and services by receiving a cryptocurrency in exchange, for me that makes it real money, without the need for any government to intervene to validate it, in fact, if you wanted to pay in Africa, China, Russia or any country in the world with gold, for example, I am sure they will accept it as a means of payment, which does not mean that it is a legal tender in those countries. That a bitcoin is not gold? It is true, but currently it enjoys greater confidence, in terms of its value, than the dollars backed by the federal reserve of the United States.
Thank you very much for sharing your opinion with me.
best regards @mykos