You aren't going to improve chopsticks. You aren't going to improve the core function of liquidity - just make it efficiently usable. Any " innovation" that makes it less efficiently usable is a SCAM.
If you create a platform for a digital economy and cash transfer happens to be one of the features that is leveraged for that ends, why is that a Bad Thing?
It's not a bad thing. I agree. But its never going to be a threat to Bitcoin in competition for the natural monopoly of liquidity.
My expression was bad, because I inferred that every coin with features was a scam. It's not. My apologies for such an ill-considered utterance. But it's not a candidate in the race for liquidity leadership.