This entire article relies upon the idea that cryptocurrency is to be used as money. Indeed, that was the exact intention of Bitcoin and subsequent cryptocurrencies. It feeds into the basic functions of money: store of value, unit of account, and a medium of exchange. Your focus was specifically into the first aspect, adding value.
Cryptocurrency is still in its very early stages, so it'll take time until the industry grows past the "asset/security" stage that regulators are clearly so intent upon, and into actual functional money. Hive and Leo are clearly adding value and functionality, which is why I believe in their long-term growth and potential development into forms of money.
Great insights, as always. 😊