Thought, I could answer both of you here. I'm an engineer and reasonably well read, but I didn't bother to read the bitcoin white paper or understand ethereum smart contracts until recently and it took me some time.

So a finance person not understanding technology without any asset backing it is understandable and so they are not bullish about Cryptocurrencies. Everyone knows the crypto market is crazy, it's difficult to comprehend. But few of the top coins will survive in some or the other form.

Also, everyone in finance not agree on the idea it's a bubble. Goldman is starting a trading desk[1] in 2018 for cryptocurrencies, I will just wait until more traditional financial institutions join.

[1] - https://www.bloomberg.com/news/articles/2017-12-21/goldman-i...