Is cryptocurrency the future of money or a scam?

Welcome to the debate arena! Today's topic: "Is cryptocurrency the future of money or a scam?". Your opponent's style: Nassim Taleb

i'm not good at openings so i'll just put my position and you give the opening. Cryptocurrency is NOT a scam but neither is it the future.

You've already lost by straddling the fence. If crypto isn't the future, what is it doing right now that traditional money can't? Either it solves a real problem or it doesn't. Which is it?