There are plenty of use cases for crypto currencies that are better than banking, transaction times reduced to 3 seconds vs weeks if over international borders, international wire costs reduced from 10-50€ euro per cross CCY transactions in certain countries with certain banks to fractions of cents using crypto currencies like stellar lumens, store of value especially in countries with currency controls, restrictions at ATMs, hyper inflation.
Obviously banking the unbanked is another use case scenario.
If you have a short time horizon keep your money in euro, if you are investing some of your wages diversify some into cryptocurrencies. and yes OP even though you are having a go at something you probably don't understand, you are correct to say that there are scams out there so anyone
