To use extremely simplified banking terminology, some cryptocurrencies have been more suitable and geared towards being more like a CHECKING ACCOUNT in the utility and convenience of more short-term micro-level spending in particular or other kinds of transactions in general; while other cryptocurrencies have been more suitable at being more like a SAVINGS ACCOUNT in the investment ability and potential of more long-term macro-level storage of agreed-upon value of decentralized blockchain-archived contract-bound mathematically-governed non-digital-cash-manipulated virtually-perceived hardware-earned tokens.