Let us be honest with ourselves, most people just want more dollars or pounds out of it. By keeping it as just an extra menu item they save themselves a whole lot of ball ache and their customers too. I wonder where they're buying and selling the actual coins to back it.

I wouldn't call it scammy but it is a tad misleading and it would be better if they billed it for what it really was. Funnily enough if you use Revolut for buying real crypto elsewhere they often toss their cookies.