I had a lot of hope in EOS, but I think they failed their launch with high RAM prices and no good UE/UX solutions.

The thing I am looking for is cryptocurrencies with:
- No fees
- Instant transactions
- Refundable if stolen
- Easy to buy
- Easy to use
And crypto platforms (like Ethereum) with:
- High throughput of transactions per second
- Ability to store a lot of data in the blockchain
- Development with mainstream programming language

I am also looking for interesting utility tokens.
Do you know about any cryptocurrencies which fits these parameters?
If not, still share your favorites and why you believe in them!