XCP may be a wonderful tech, and a real solution to many problems. It is a crappy investment because it is trivial to dilute it infinitely.
What makes XCP easier to dilute than XMR for example?
(Btw XCP is up +2000% this year, this is a fact. "Crappy investment" is a point of view.)
I am using a time-horizon discrimination between "trade" and "investment". XCP has been a marvelous long trade. Would I buy it, walk away, and come back in 10 years expecting my investment to have appreciated or even retained its value over that time? No. It has been a brilliant trade. That does not make it a less crappy investment.
I sold all my XCP in private before it came on an exchange and made a 15X time profit. I was very very lucky.
Straight after entering an exchange it's been dumped, for a whole year and it was a crappy investment unless you've been holding until now which I think very very few people did.
Now that it's been pumped, it is very risked to invest. You could end up being the fool that buy at the top and sell at a loss.
About XMR, it is one of the best (long term) investment right now in my opinion. The tech is brand new and no other crypto can compare to it (apart from BBR).
I am not saying that there is no risk but the potential make me dizzy just thinking about it. Nothing has been made yet, only some development, no communication, no hype. When it'll get a bit of awareness, I expect a much bigger pump than XCP.
The problem is that people only look at the today-pumps and do not care about the long term.
Most people are here for a get rich quick scheme. They don't understand that it happen to few people because of luck and that most people end up losing everything trying all the short term pump&dumps.