The point is that its questionable whether it will work in practice, or ever reach the level of adoption needed to be autonomous. Treating IOTA now as a potential payment system to rival bitcoin is hugely risky.
This type of sentence is often intellectually dangerous. It's the basic pattern for a false equivalence -- brushing the differences under the rug.
You are essentially saying that risk1 === risk2, without any justification.
The default position when comparing thing1 to thing2, in any complex domain, is that they are not exactly the same, and we should be very cautious when trying to generalize from one to the other.