What do you say to the detractors/naysayers?

To those who buy/sell/hold crypto, what do you tell family/friends?

As someone who is becoming more enthusiastic about this space more people around me are asking and sometimes I have good answers sometimes I don't.

Especially when they bring up points such as:

• It doesn't create value on its own, it's value is made up only of what others are willing to pay for it

• It is decentralized but as such will never see widespread adoption (too much heterogeneity in various global financial systems)

• Volatility means you can never put a finger on what it's real worth is

• Most people don't actually understand the technology (this I agree with the most)

• Environmental concerns such as the high energy output needed to mine and maintain a ledger