The 45% to masternodes is very profitable at the mo, a bit over 10% a year and the outlay is about $5 a month for a mediocre VPS but hardware requirements will go up significantly with third tier services. The potential capacity of the second tier is huge, thousands of transactions a second in its current state and an easy path to tens of thousands and on top of that it has to handle online wallets, the distributed API, storage and plenty more as time goes on. It won't be a free ride, the returns are extremely profitable at the mo but it'll need top end hardware if/when it needs full capacity.

That should take a while though, for now it's getting a lot of interest as a means of funding third party services. One of the fiat gateway providers is using it to provide free and zero charge fiat debit cards, there's a few gaming sites planning on using the same funding model, it's getting a lot of ideas along those lines. The 10% into development is a no-brainer, that's getting people on board too quickly to keep track of and v2 of the budget system can't come quickly enough, it's getting out of hand That should be out with v0.12.1 in a few months and some of the features should be available to regular users.