I understand that you have doubts about the usefulness of tokens like NurGolds in the context of digital currencies. It's true, there are many digital currencies or e-money that have existed before.

The reason behind the creation of NurGolds may have to do with the multiple uses that its developers aim to achieve. In some cases, tokens like these can be used for specific purposes such as investments, payments, or even in certain industries such as precious metals such as gold.

Your criticism about there being no need for blockchain in some use cases may be valid. Blockchain is often used to address specific problems that require transparency, security and decentralization. However, not all projects require blockchain technology.

Rules and regulations are very important in the development of a project like this, especially when it involves financial transactions. Adherence to the applicable guidelines is a very important step in building successful and trusted projects in the market.

This discussion can help to understand more deeply about these kinds of projects.