You’re arguing semantics. No one is arguing that dumping all your money into Bitcoin or PTON specifically is a good idea.
> One, I can buy a Peloton. People pay for Pelotons. Positive sum.
Yes and once Peloton runs out of people to sell overpriced bikes and treadmills to, the valuation will (hopefully) return to reality. Uber continues to lose money on every ride.
If you’re going down the “people pay for it” route, we could say that people also pay for NFTs of monkey pictures.
Crypto does have value. Not all of it, but again we could make the same comparison with ridiculously overinflated stocks like PTON or CVNA.