I see it too, I even have family asking for spare accounts on exchanges! All exchanges are overloaded, not allowing for new accounts, it's crazy.. I just keep telling them: treat it like a casino, don't put money in you can't live without, say goodbye to your money at day 1.
That said, IOTA is actually pretty interesting from a technical standpoint, you should read about the Tangle ;)
IOTA would be fine, but how many other coins have 0 transaction fees now?
While I dont own any Raiblocks, they are using like 7 severs to confirm. Supposedly fixes all fee/speed problems.
I worry most about the ownership of non-mined coins. The founders nearly always pre-mine or grant themselves significant amounts of coins. The faucet that is crypto mining is all based on work/energy.
That said, IOTA is actually pretty interesting from a technical standpoint, you should read about the Tangle ;)