Is this how neucoin mining works,
Torrgeek puts his 1k neucoin in a 1 year neucoin growth account.
Torrgeek earns 100% interest, thats 2k neucoin

Dan has the foundation mine his 1k neucoin for him, super efficiently, no neucoin growth account needed here.
Dan earns the full compound interest rate, thats 2.47k+ neucoin

Dan can sell some every month, say 2%, and still have about 2k neucoin at year end.

Torrgeek cant sell any during his contract.

Dan gets nearly 50% more interest than torrgeek.

Dan can sell every month,

Torrgeek can't.

Good deal Torrgeek?

haha..I don't know why you are so desperate to have me posting here but I'll tell you I'm flattered by the attention you have been giving me lately

As for your question, I guess this post pretty much covered it:
Anyone who wants to (and knows how to) can mine on their own and earn full PoS rewards. That's for the crypto pros who want to maximize.
Growth accounts are just for consumers who would never get involved with client mining anyways. That's for the mobile game playing masses who just want plug and play.
but then, I suspect you already knew the answer to your question just like all the other "questions" you have been posting here but are just trolling like always. Oh and please don't bother denying it since what you are doing is painfully obvious.