I can't speak to if NXT as a whole is a scam currency, but my personal experience was that it took basically two days to confirm a transaction. And when I went to make a small transaction to test something out it said my password was wrong.
A block taking two days has never happened before, are you sure you put the transaction through?
Also the Client has no way of knowing what *your* password is. It just takes what you give it, processes it and shows the account it is related to. How exactly did it tell you it was wrong?
When the servers are given a kick, you will be able to try Nxt for free and without needing to download the client or the blockchain
here. You can learn the basics (and advanced bits) here risk free.