All of this is such a gamble, it's unreal. And I mean bitcoin as well--Warren Buffett said he doesn't invest in anything he doesn't understand, and I probably should follow in his footsteps with cryptocurrency. I'm not a computer or really a math type of guy and I cannot claim to understand how all of these things work. These things are prices moving up and down, actions which I understand but cannot predict.
You say ETH is not money. OK. What is the value of these ETH tokens then? I have yet to see someone dumb it down to retard-level for me. And I mean get down to retard and then go a few inches further down.
Ethereum is going to be a computer, but one that is owned by many people. This way you can run applications on that computer and be sure that no one can hack your program or falsify the results. You know that no one can cheat/hack your program because lots of computers are all competing on the Ethereum standard for new 'coins'. Why are they doing this? Because Ethereum carries value, because it is a digital commodity.
Monero does not claim to inherently run code. A secondary layer could be built on top of it to run code, but it is a protocol layer that does one thing really well: privacy. It does this by encrypting its own Blockchain such that no one can publicly read the Blockchain, but computers are still competing for new Monero same as any other crypto. Therefore the Monero network remains secure and the tokens cannot be counterfeited. Monero aims to be first and foremost -->
money - the best debt ledger on the planet, just like gold once was.
If you need further consultation I would be happy to help you. I have a way of breaking down complex concepts and would be happy to assist anyone in understand this stuff - it really is the 'next big thing'.