First of all, we can probably agree that crypto-currencies will quite likely become the new “money” for the Networked Civilization. They seem to be on track to displace the various national currencies we use today.
If you expect to make use of them, you need to make sure you understand how they work. The level of understanding you have must match the level of your involvement. If all you plan to do is get some and spend it like any other currency, then you probably already know enough just by reading mainstream media discussion of them.
One other thing: This is probably not a good time yet to get too involved. The market in which they are exchanged is volatile. That’s because of all the political turmoil and the high certainty that some governments will fall, including pretty big players currently dominating the scene. Their currencies will go with them. Once enough of them are displaced by crypto-currencies, then you can start making regular use of them. Be a reluctant user unless you know a lot about currency trading and the technology behind crypt-currencies.
Just as an exercise in moral awareness, I note that crypto-currencies are as evil and corrupt as any other fiat currency. In terms of divine justice, we should use as exchange only things of real value. That may sound inconvenient, but it’s possible in a networked existence to do better than crypto-currency. One of the best ways is to tie it to something everyone all over the world uses within their own economic environment.
I rather like the idea proposed by the proprietor of What Really Happened. I can’t find the link to the page on his site, but he proposed a currency based on a fixed watt/hour amount of electricity. The value of that much electrical current would vary across different countries and economies, as it should, but would remain as a far more stable unit of exchange than any fiat currency ever used so far. Granted, if the relative cost of producing electricity, and storing it, changes with technological advances, then this might be a problem. Still, it’s a whole lot better than anything else we have.
And it’s a whole lot easier to do than using gold, silver or other precious metals, at least officially. Those are subject to a lot of serious political wrangling, much of it still quite secret. Then again, the whole idea of a stable currency that actually makes life better is not going to please the elite plutocrats. They profit too much from human suffering to allow something like that.