While I don't really trust any "experts" - I do agree that utility tokens (or whatever people are calling them these days) are where it's at. It's the reason I'm so bullish on Steem and Steemit. I see Steem as a wonderful platform that other people can build on top of. It's interesting that the so-called expert mentions Ethereum. That's one of the cryptos that I also really believe in. The more I learn about its founder (Vitalik Buterin), the more amazed I am. (he's like a teenage boy genius!) He really sees Ethereum as a platform to build apps on top of, and so there's the "utility" that you mention.