The fundamental problem with all crypto"currencies" is as follows: the world uses real currencies and there is only one way this enters into the world of crypto"currencies": by someone selling a coin to someone else. Thus, regardless of what crypto"currency" we are talking about, it would be a zero sum game if not for transaction fees. However, with transaction fees it becomes a scam because there's a set of players who are guaranteed to win and there's another set of players who, en masse, are guaranteed to lose. It utterly doesn't matter what you do with your crypto"currency", this is the underpinning scam of it.
And once you entered the game, the only way for you to not lose money is to find a greater fool who will take over your crypto"currency", everyone who owns some becomes a proponent of it. It's an ingenious scam.
And no, nothing in the real world is like this. In the real world, the amount of currency increases when a bank extends a loan which then creates more value by such things as being using as capital, allowing you to enjoy a home now instead of decades later and so forth. Also, stocks are not a zero sum game -- companies actually create value and so forth.