Fiat currencies are not marketed as investments yet trillions are invested daily into the forex market...people who are speculating.
Just because a token is not marketed as an investment does not mean that people cannot invest in it as such.
STEEM is such...it isnt an investment but a utility currency...of course people can still buy it on speculation if one wants.
I believe that is the difference.
Makes sense. Thanks for the clarification. :)