ok, thank you !
for the lose money part :
imagine there is "only" 20 000 000 usd at the end of the ico. As there is 6 000 000 000 coins, this means each coins will have a value of 20 000 000 / 6 000 000 000 = 0.0033 usd. And i would have paid them 0.0066 usd.
Is there something wrong in what i said ?