If wallets and blockchains offer chain interoperability, which they DEFINITELY will in the future, anybody who wants to interact with the IOT can do so using any coin or token they choose, including, I suspect, fiat currencies themselves.  

So, to me, the IOTA token has no real utility beyond being a chip required for a product, that can be purchased as needed.  

So many other crypto are so far ahead in currency style usage, that I don't understand why people think IOTA will go up in value.  

Thank you for being nice and answering my questions.  I agree people need to realize that the upvote and downvote buttons are not for popularity, they are for relevance.  People just don't understand how Reddit works, that's all...