What is one sentence or single word someone needs to say to you which marks them as person who has no clue about crypto

I never talk about crypto to anyone else, but I've overheard a conversation on a bus ride.

Two men (from the voice I would assume they're mid 50s) were talking casually about banking crisis, then one of them starts talking about crypto.

One said: "The cryptomoney are so worthless, this will crash before banks will crash."

The other laughed and replied: "Young people and their magic internet money, they will learn it the hard way then it goes down."

I want to spare you the embarrassing nonsense which follows up. People without understanding what crypto is about and how it works, come up with wild accusations, blame crypto for world hunger or whatever and throw random "crash" scenarios for crypto.

You guys probably also overheard similar things like this, what is it for you that makes you immediately identify someone who is not understanding crypto like we do?