Sorry, but the cyberpunk future is all around us right now. This doesn't make alternative currencies a good idea. Money is given value by the community that uses it. If you are a part of a community, then it makes sense to use the money that is used by that community If you aren't, then invest in something tangible. The problem is if it isn't something you use, then it's not a good investment, and if it isn't durable then it isn't a good investment. That's why real estate is so popular as an investment. But real estate comes with a high tax burden, so it's got to pay for itself at higher than the rate of taxation. Money tends to get devalued by financial manipulations both of government and of financiers. Banks pay interest at less than the rate of inflation. The stock market is chancy. Etc.
If you're young, invest in yourself. Get yourself a stronger skill set. etc. But avoid accumulating debts. Sorry to give conflicting advice, but there it is. If you learn German well enough you can get a free college education...in Germany. Possibly some other countries offer the same deal. Unfortunately, it's hard to predict what skills will continue to be valuable. Blacksmiths are doing fairly well right now, because few are being trained, and there are those who value their work...but it's easier to get trained as a welder, and specialized varieties of welding are also well compensated. You will notice that I'm mentioning professions that are already in decline, but where the number of practitioners is smaller than the demand for their skills. Rising professions tend to be targeted for automation, flooding the market by low-wage competition, etc. Plumber is probably a good choice if you can manage it, but it can be hard to get training licenses can be problematical. Etc.
Don't take authorial fantasies as a reasonable prediction of the future. They were never intended that way, only as sketches of possibilities seen from a distant vantage point, and the authors intentionally left out anything that would be boring or detract from the story they were telling. The current world *is* the early cyberpunk era. If you look at the correct pieces of it you can see that. But it's the early part...give it another 5-10 years to get well established...and it will still have most of the people living as they do now...barring, of course, civilization collapsing.
P.S.: You want to know why Trump is so popular? People look into the future and they get scared, and when they get scared they retreat to versions of the simple beliefs of their childhood. They are right to be scared, but that's the wrong answer. (None of the major candidates is offering a reasonable answer, but Bernie Sanders comes closest. Nothing that involves an economy centered around jobs is going to be a reasonable answer....only a recipe for a collapse of civilization. Notice how much effort is being put into developing various forms of robot soldiers.)