The question is though, is it enough of a scam that anyone not looking for a high risk investment or putting a lot of time in should just steer clear of the who

The question is though, is it enough of a scam that anyone not looking for a high risk investment or putting a lot of time in should just steer clear of the whole thing? In terms of the currency aspect of cryptocurrency, what risk adjusted benefit would I get right now attempting to use any of them as a currency rather than dollars?