The concept of cryptocurrencies/Bitcoin is to get away from the fiat banking industry. All of your examples above are still within that industry and rely upon government paper. Cryptocurrencies are just that, currencies. An alternate to government/bank controlled fiat paper. Governments don't like this concept and have classified cryptocurrencies as assets and not currencies to rival fiat paper notes. Your mindset should change to the fact that they are currencies and not assets that can be invested in. Currently the hype that noobies have come in over 2017 is that cryptocurrencies are assets and base it off of their native fiat. With the growth in the exchange rate they have come to see them as assets, like precious metals, and have "invested" in them. This line of thinking has contributed to the wild swings in the exchange rate to whatever local fiat is applicable.