I understand enough of the protocol to believe that it is technically sound. My skepticism is about the economic aspects.
It doesn't bother me that people are speculating (basically, gambling) on a market with very uncertain future -- as long as everybody understands the odds and risks.
It does bother me that Bitcoin is being "sold" by some with rather misleading claims, such as "the supply is limited" (true of Bitcoin, but not of cryptocurrencies in general), "transfers are anonymous", "cannot be stolen or taxed",
"there are no fees", "banks and governments cannot touch it", etc.
And it bothers me a lot when speculators turn to Latin America as a promising source of Rich Suckers -- who, they hope, will buy those overpriced Bitcoins that no longer find buyers in China, India, Europe and North America.
Not if I can help it.
I'll just say this. Based on the stereotypes of your misgivings, there is a lot for you to learn about Bitcoin. And if you study long enough your mind will probably change.