Actually, I do not trust cryptocurrency, it's just a new way come up by companies to raise more fund cause nowadays it becomes harder to raise fund. Maybe blockchain technology can really influence our life in future, but not cryptocurrency.
Cryptocurrecy and blockchain technology are almost the same. So if you didnt trust cryptocurrency , that only means you also said that you did not trust the blockchain technology either. Cryptocurrencies is not about fund raising , fund raising that you are talking about is only for the ico because an ico needs to crowdfund or collect funds from them investors in order to create their own project and those investors can also get the benefit by selling or using their coins thru their invested ico.