Blockchain is more simple than electronic cashes like tap money card, for backing system, that determines the buying value, I think. Pegged cryptos are just like electronic cash, but in different environment.

Non-pegged cryptos are determined by some factors that no relations with physical goods. Special features and popularity are two of determining factors.

Using blockchain makes money have other usages than just a trading tool. Ethereum, the multi purpose crypto, has born some cryptos and two games (like tamagochi) which you can invest money by buying pets, and sells it when the price is higher than when you was bought it.

Remember, do not trust ads you seen at crypto faucets and sometimes at coinmarketcap that said you can get interest daily. A person in Indonesian government, at monetary part, I forgot, said: "If can make money, why inviting people?"

If HYIP is real, then this world is surrealistic. Many people crazily do prayers at front of their money just want things instantly. Even you can buy lives for your life.