Cryptocurrencies make various trade-offs around efficiency, energy use, user experience, etc to operate in such a hostile environment, therefore they should really be used as a last resort if there's nothing else that can achieve your objective.
For most people living in the developed world and for whom government interference isn't a problem, there is no need to use cryptocurrencies.
Anything else that's crypto/blockchain based but not a cryptocurrency for the purpose of transferring value is a scam - whether to scam the users (pump & dump, rug pull, etc) or to scam clueless investors who are happy to dump money into anything that uses a blockchain even though a database would be a better solution.
And even then, its usefulness in this regard is limited when its valuation is highly volatile. Probably not an issue when the full transaction life cycle can be fully completed (buyer acquires crypto, buyer and seller trade crypto, seller offloads the crypto) in a matter of hours. But this narrows the use case even further.
And then you have private ledgers like Monero.
Is 99% of crypto scam? Yes
Are there hundreds of legit use cases? Yes.
All worldwide. No need for a blockchain. Ever.
Is it a token on top of another blockchain? Yes -> scam. No ->
Is it anything other than pure PoW? Yes -> scam. No ->
Does it have a ICO/premine/instamine? Yes -> scam. No ->
Do miners get less than 100% of block subsidy? Yes -> scam. No ->
Is the source code mostly cloned from another project? Yes -> scam. No ->
Is majority of supply emitted in first few years? Yes -> scammy. No ->
Do creators have any expected financial gain? Yes -> scammy. No -> Maybe not a scam.
Ever since many Bitcoin clones and source derived projects with no other changes other a renaming, re-branding, block-size and tweaks and also now especially with Ethereum-based tokens that have proliferated, so did the scams.
Nano seems to qualify as 'not a scam'.
[0] http://nano.org