Well I'm young, and I'm a computer scientist, and I worked in cryptography. You're not the only one who doesn't "get it". A lot of this stuff doesn't make sense, even to experts like me.Something I just don't get. If you can make 8% or even much more with crypto investments, where does that gain come from? Usually, when one investor gains, another one will lose unless they are investing in a company that increases its worth.
Our people (not just me, but also PhDs at my last firm) all looked at this stuff, and we basically think it's a kind of convoluted shell game / scam. Lots of techno babble that superficially sounds impressive, but doesn't actually make sense. That's why I don't invest in it.
We even had crypto firms approach our company and ask us to join their ventures in partnership. We analyzed their claims, and rejected their invitation.
When I say this stuff, other young people usually respond and say that I just don't get it. Well maybe, but I am an expert directly in this field (including the cryptography and networks).
It's possible that for some reason, I just don't get it. But if that's the case ... do you really want to invest in something that even experts (like me) can't decipher? That's not a good sign.