What's the point to buy this coin if we're not Genesis Holders?

I read the whitepaper, but I really don't understand it all.

It talks about both lender and borrower being rewarded when the loan is given back on time..

But it looks like the only way to generate Elix is by Genesis Holders to mint them manually?

This is all very confusing.

I love the logo and design, the concept looks nice but the explanations are really aweful. I'm definitely not an expert in blockchain technology but I can't see any casual person understanding this coin right now.