Hi @msg768, if I may make a suggestion, while it is true that you are not obligated to act as a customer service representative for SwiftCash, I would argue that the only reason any cryptocurrency performs well is because the large and moderate holders of the coin frequently act as advocates for it.

I agree with you that it is perfectly fine for anyone to create a coin or token for any reason they wish, such as simply to be a competing currency. However, I think that you will find that as more and more projects get built the skepticism, such as @oldtimer displayed, about the value of the project will increase and new tokens and coins will be obligated to prove that they solve some sort of problem.

The Hobo token project, as an example, has created a Steem Engine-based token for the purpose of facilitating contests within the wide Steem ecosystem. Although the Hobo token (ticker symbol: HBO) could be used for many things, such as to reach final settlement on value transfers, it has a fundamental use case which is covering submission fees for entrance into the contest. The HoboDAO is a decentralized community forming a DAO (decentralized autonomous organization) on Steem. In order to incentivize our delegators and operators we need to compensate them some way, and ideally in a decentralized way. That is why submission fees are required for entry.

So, that is an example of a fundamental use case for a cryptocurrency. It can of course do more than the fundamental utility, but it at least needs a foundational sink.