Which is another important point, to @xenu and others who wish to engage with complete newbies, I think it's absolutely critical to highlight this distinction beforehand; that crypto is in fact a massive scam, and Monero is the exception to that rule, due to XYZ...
https://monero.forum/thread/preserving-moneros-culture-during-bull-run#reply-4422
I think any crypto is better than whatever the fuck banks are doing. We could say banks and all other crypto are a scam, other crypto is just less of a scam than banks but still a scam.
Banks make Bitcoin look elegant.