Aren't you missing a category, for the coins/tokens representing real world industrial use? all those you mentioned seems to be more for "personal use" in some sense! what about "bank coins", what category would you place those in? I think we can make a few more categories considering there's thousands of coins/tokens - even if most of them are the same, not all are! 

"Future of crypto" is a very broad term, you can invest in the losers or in the winners, and it's up to you to pick the right ones. I personally believe the blockchain technology is going to be adopted industry-wise(already happening), long before we're going to have some sort of "standard payment"-crypto (as in, replaced normal payments). If you intend to invest, look for projects that does something real, and that has reason to be a crypto in the first place! avoid all these new transaction coins, bitcoin clones, over and over - bitcoin, monero, and utility are wise investments. these are just my opinions! noone can tell you exactly what to do, you must trust your own decisions! 

A well written whitepaper is a good sign, but a whitepaper itself doesn't guarantee the developer team can deliver the product! when you're researching an ICO, make sure you look up the team members, are they legit? experienced? etc. I wrote a guide here with some more information: https://bitcointalk.org/index.php?topic=3760625

Just reading this intro text on their site:
"We noticed that not everyone has the ability to write a smart contract since it requires some level of programming skills so we decided to make it easier for everyone to create a smart contract."
and a presale.. how can this still work today? this will obviously just go the same way as all other copies. the value doesn't come from promises, it's the code and network, and whatever "ethereum limited" aims to do, ethereum itself could do just as easily - while still being the second largest coin (and therefore decentralized network).

is anyone "investing" into this? why? I'd like to know!

I wrote a post about some things to look out for when investing in an ICO, and since bounties are generally tied to a project that has an ICO, the same applies, you can look here if you want: https://bitcointalk.org/index.php?topic=3760625

well did you sell yet? you haven't lost anything until you sell! and that's the point with january from what I understand, everyone simply saw what you saw and flocked to the market which led to the inevitable collapse.

can you define "invest" and "trading" here? you seem very inexperienced with this in general (? just by looks, I can be wrong). you shouldn't invest anything to trade unless you feel that you have a clear idea to begin with! which, if you have to ask such a question, you probably don't!

instead, start off by atleast getting some bitcoin (now that the market's low), and you can then either a) hold bitcoin b) trade to an altcoin and hold("invest") c) trade to altcoins to further increase your bitcoin stack!

as written earlier, check coinbase or another exchange for your region! if you register on coinbase you have a deposit adress which your friend can deposit to, and you can instantly sell it and withdraw to your bank account. (of course, you will need to go through KYC (show ID picture) first!)

maybe if we give it a few years, people will be "on the blockchain" (tracked!) and a smartcontract can move funds over to family members when one goes "offline" 

well you need an idea first! if you have an idea, then ICOs clearly are an excellent way to find funding. although the ICO hype has died down alot, which maybe is for the better - too many stupid/copy projects that has no real purpose.

isn't this part of the reason why eth is dropping more and more in comparison with btc? icos wants to sell off and it's like dominos.. not good for the economy 

well merit isn't a human right so, as you said, if you're not good at 'constructive' posts then you can't get merit.
but 'constructive' is a broad term, you don't need to be an expert about crypto as a whole just to earn some merit! clearly there's one type of comments that is for the purpose post count/advertising, people who just post in large spamthreads with 500 pages, there's no merit from that.

you don't need to chase merit, you will earn some if you reply to topics that are interesting to you, since you can actually contribute in some way I think.. there's lots of forum categories here so I'm sure you can find one that is of interest.

after reading your post there, I'm curious why does he need to borrow 0.08 btc if he (supposedly) had 0.096 btc of a token? why wouldn't he just sell 0.08 btc of that token instead of paying back 0.096?  

edit: quoting OP too

while I'm not a high rank, it sounds crazy to send any loans especially with bitcoin? what insurance do you have? that they might get banned or would you be asking lots of private information or something 

Just to add to what previous poster said, usually(hopefully) XRP for example has set up any pre-mined coins to be released according to schedule. this link for example, mentions that 1 billion XRP will be released each month. so it's very important to know the plan for any investment, as in, who holds large funds? hopefully they're in escrow(as in, it's impossible for the "founders" to withdraw it)!

Having a hardware wallet in this situation would make it quite simple seeing as there's just a pin code required to access it, and one doesn't necessarily need to let anyone know of the fact that one has a hardware wallet, but, maybe leave a text in the will or a letter somewhere informing of the pin code?

While it is indeed a market, it also has a use case and there is actual value (a decentralized network for example). I never understand these people who think they can predict prices? it's not "just" market going up and down, it's obviously attached to some real value. What is his reasoning? just staring at graphs? One little "event" we don't know of yet, could completely change any and all predictions!  

It's good and interesting when the government(s) choose ot invest into crypto. I do wonder how they came to decide on this specific startup, there's tons of other useful projects aswell. or are they invested in other projects too?

even if he now is shilling for bitcoin cash, maybe he should focus more on the technological aspect  didn't he say eth was overpriced at like $10?

that just looks like a cement block, literally in color and material too! doesn't the name "blockchain" say enough by itself anyway. a chain of blocks!