XCP must be used for dividends, bets and paying fees for making bets on feeds.
Fees for betting on broadcasts are determined by the feed-operator, and if someone wants to bet on a feed, he has to match the fee given by the operator.
And with this information we can now speculate and somewhat predict what kind of price ranges these fees might be. I honestly think the betting function could be one of the killer apps because people like to speculate and there will be tons of feeds. That alone will probably support XCP.
For assets it's harder. You are right we have to do due diligence to avoid scams. For assets such as credits which can be redeemed it's important to deal with reputable businesses. Someone like Maxmint for example has a good reputation as being trusted to do escrows. He has done escrows for me and many others and has a perfect reputation. Someone like Maxmint could issue a Maxmint credit token for his escrow services and I would buy some of those tokens with the knowledge that in the next 6 months I'll probably want to use his escrow services. If I change my mind then I can trade his token for the token of someone else who is trusted and offers a service.
It's still possible to get scammed even like this, but if the tokens are reasonably cheap it's not that much of a risk to buy a small portion.
I just endorsed your escrow service. It's fairly easy to burn XCP and I figured it out but I still give you some business because it's good for the ecosystem of us all.