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RE: Crypto Currencies will never have value.

True. I believe every investor should do the following to solidify their understanding on crypto. Buy and split their holdings in the following buckets. Sell (understand how to get USD back). Hold (do not sell so you gain emotional strength on big moves). Buy (rather it is precious metals or travel ) learn that you can get actual items and experiences with bitcoin.

Coin Marketplace

STEEM 0.15
TRX 0.16
JST 0.028
BTC 67779.88
ETH 2396.01
USDT 1.00
SBD 2.32