Bitcoin is a digital money that can be converted to real real money buy selling it out and many people invest on bitcoin in to enable to make more profit and have a great return after a short period of time bitcoin is a real money that can be used to to buy real estate and many more depends on the quantity of the bitcoin.
I don't agree with you my friend, if you do know about trading and joined it before, you'll see that Bitcoin is using at the middle currency of every currencies.
If you want to transfer your NEO to XRP? You have to transfer NEO into BTC or ETH first , then do the BTC to XRP later and that's how it work.