I think this individual is really getting it:
“I think crypto currency would work much better if speculative pricing wasn’t in the equation. If it were designed as a payment system and not labeled as traditional currency as we know it. It should be categorized as a TOKEN and not currency. Giving it a category as a TOKEN would make it more apparent that it is acting on something’s behalf which would be a currency. The crypto token can be pegged to any currency of ones choice then I can see merchants holding the crypto token.”
Link: http://newsbtc.com/2015/02/08/andreas-antonopoulos-bitcoin-needs-two-years/#comment-1843213916